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I I concur with your opinion. They are handling it with least empathy and understanding. This is what they have replied to me when I asked for a deferral. I am astounded as how do they decide if it's safe for someone or not. It should be an individual decision and this seems more like...

Hi Nicole I have sent you details of my email to GARP on this matter.

I am surprised GARP is asking us to Pay 150$ for deferral... For Candidates registered for May 2020 it isn't even allowing a deferral to 2021.. I have written to them about deferring my exam to 2021 as the no of cases in my country are very high and I also happen to have 2 co-morbid conditions...