Many more people are killed in car wreck each year than on motorcycles, but I don't see anyone asking me not to drive, "for the sake of my family". Hell, if we are so hung up on safety, why not legislate mandatory helmet use in cars? Surely, wearing a crash helmet in a car will save lives. That's the goal, right?
I've thought the same thing myself. But if they did that, after a lot of those helmeted drivers started dying of broken necks instead of head injuries, the next thing they'd want to require would be some form of HANS device... and then maybe deaths would be reduced, but there'd be an increase in accidents due to poor visibility during lane changes.
I sure wouldn't ride any bike at "on-road speed" without a helmet, but let's face it - even at 35mph, hitting a car, a tree, or the pavement can cause devastating, potentially life threatening injuries to a cyclist. There is no escape from the long arm of the laws of physics.
We could also step back a little bit further, and look at what has happened in Australia and some Canadian provinces after the government mandated
bicycle helmets for everyone, including adult riders, and started enforcing it (as in Australia): adult bicycle ridership went down significantly, which is certainly not helpful in a population where the biggest health epidemic is the chronic diseases caused by obesity.
The "problem" is that
every western democracy has some degree of socialism, with policies that ultimately force everyone else to pay at least some of the cost for lifetime care for those who were either stupid, or unlucky, or both. And as much as I dislike any form of socialism, I think that we'd all find a society totally devoid of ANY fall-back last-ditch safety net to be not a very civilized place to live, where simple misfortune forces a lot of people to take extreme actions out of desperation.
I think that Florida's personal injury insurance requirement
may not be a bad idea, but $10,000 will barely cover initial triage in an ER these days, much less subsequent surgical treatment.