Whether you want to take the risk is going to be a personal matter heavily influenced by your financial situation
1). I don't think it's entirely a personal matter - unless you are a hermit you also have to consider the consequences for those you live with if you catch the lurgy.
2). Another factor is age and gender. Males aged over 70 are disproportionally at risk so unless recovered from the virus would be unwise to either instruct or be a pupil. (I’ve not seen any statistics for transgender people.) For younger female instructors and pupils their personal risk is somewhat lower – but point 1) still applies.
3). Hygiene: Should masks and gloves be worn by instructors and pupils. What safe (to the aeroplane) disinfectant measures would be appropriate after each flight.
4). Before the lockdown became total a gliding club was contemplating permitting solo flight in privately owned gliders (not shared club gliders), aerotow only, using gloved tug pilots under 70. The contemplating got overtaken by events.