[adamsb6]

Risk tolerance is a value judgment, not an empirical fact waiting to be discovered.

Competent experts could tell you how much safer you would be if you wore a helmet to drive your car. They can't tell you how much you should value that extra bit of safety.

[MeetingsBrowser]

Personal risk is a value judgement. The government steps in when your decisions impact the life of an unconsenting third party, like a child.

Can you point to a single competent expert who recommends the average driver should wear a helmet while driving? Again, there is a difference between one study showing helmets reduce injury in crashes, and an expert reviewing the problem as a whole and making a recommendation.