[nolok]

Very poor exemple. Him not wearing a helmet right now has nothing do to with costs, its about practicality and societal norms. Even on construction sites we had to makes laws saying it is mandatory or big fines to get people to wear them.

[Hermel]

Not all cost is of monetary nature. Wearing a helmet costs you comfort, agility, and time. That's why we only do it when the risks outweigh the costs. Which is exactly the point: sometimes the risks outweigh the costs of prevention, sometimes they do not. Thus, this was an excellent example.