It's all about risk management.
You can greatly reduce your chances of serious or fatal injury in that accident that wasn't on your Outlook calendar or you can accept the marginal risk with no payback that I can see.
Riding a street bike is dangerous as compared to driving a car, but you at least get to enjoy riding a bike, so for many the marginal risk is worth it.
What joy is there in driving a four wheeler on the road unrestrained?
You can greatly reduce your chances of serious or fatal injury in that accident that wasn't on your Outlook calendar or you can accept the marginal risk with no payback that I can see.
Riding a street bike is dangerous as compared to driving a car, but you at least get to enjoy riding a bike, so for many the marginal risk is worth it.
What joy is there in driving a four wheeler on the road unrestrained?