Can young persons without comorbidities or past respiratory problems, allergies, who don't live/lived in polluted areas really get wrecked by Corona?

Is the overreaction that can damage lungs purely genetic? Or is it just blabla to keep 'youth' into quarantine? (By ~young i'm mean 20-30 yo.

Because if it's just a cold/flu for me I'd rather catch it now that being quarantined all the time. Anyhow we'll catch it sooner or later no? That is unless we isolate ourselves untils a vaccine is available, which can be some time.