I'll weigh in on this. I had H1N1 a few weeks ago, and I was pretty sick, but it wasn't much different than the regular flu. Talking to a guy I know that works in the health department, and through my own experience, it's just the flu. The media is taking this out of proportion. He said that the actual death rate is right on par with the seasonal flu, and that those that should watch out are people with weak immune systems just like someone already mentioned. He said that the only real problem with the H1N1 flu is that it is so contagious, except for old people. They think that older people have an immunity built up from something they had a while back.
So it's really just like a normal flu, but normal flu's aren't fun to go through either. If you can stay away from it, more power to you.
As far as your coworker goes, sickness is something is inevitable. You have to always be prepared for when it might strike. I don't care if you need money, stay home.