I'm not sayin' I'd ride exclusively without a helmet. I'm just saying I want it to be MY choice, MY fault. The government has no right to assist insurance companies.
I hate seeing little kids riding their bicycles with helmets, elbow pads, knee pads, etc., etc., just because the government says so. (Now try and have fun in that equipment.)
Big brother is teaching them earlier and earlier.
And yet you send them to school wearing a bullet proof tactical vest and a chastity belt and everyone gets all weird on you.