The difference here is you're forcing kids to put themselves at risk (for the university's financial gain), rather than letting them make that choice for themselves. If college sports weren't a cash cow for P5/G5 schools, they would've done what D3 has already done and cancelled the season.
A party with 10 friends is a lot safer than being around 150 other players & staff, and then being in close contact with hundreds of other players throughout the year. Why is it fair to expect these kids to not get to spend any time with their family for months on end?