Yes, you are correct. Some of the people who develop pneumonia can have had it because of COVID-19. And some have it because of the flu or other respiratory illness. A test positive result for SARS-CoV-2 doesn't mean you have COVID-19. Many results are false positives, and some are positive without even being sick. This information has been coming out in the msm. When COVID-19 began being reported, the flu dropped off from reports in April 2020, months before other years. It's almost as if cases of the flu were being reported as COVID-19, as per the CDC guidance to presume or assume COVID-19 just because you think it is, as one can easily say the flu symptoms are COVID-19.
So if someone died of pneumonia, it doesn't mean it's COVID-19, but it could be. If you have pneumonia, you have another illness, making you not healthy. What I said was that the 6% of people dying of only COVID-19 as per their death certificate are assumed to be previously healthy. If you have another illness, you aren't previously healthy. Did you also know that some of the additional causes of death included with some COVID-19 death certificates, include poisoning, injury or even self injury? What does COVID have to do with you dying from poisoning or suicide? Yet that gets counted as an alleged "COVID death".
RE: Perceiving 6% of COVID deaths from healthy people, fatality rate of 0.018%