[colanderman]

> The person who is truly taking a risk is the person who doesn't ride a bike

No, that is not what "risk" means. Sedentary people can still be fairly certain that they will die when they are over 60, even if it's a few years earlier than they would if they were active.

A cyclist without a helmet has a much greater chance of dying an an unpredictable time. That is what "risk" means.