Unfortunately, your beliefs don’t factor into the equation. Perhaps if enough people thought as you do there would be sufficient gravitas to effect a change to the law; but I suggest there is not. Or, at least, not enough to care sufficiently one way or another.
Despite this, there is one major failing with your ‘insurance instead of helmets argument’ - aside from the very valid aspect that no amount of insurance dollars can correct death or permanent incapacitating injury (not yet). An ounce of prevention is better than a pound of cure.
The one major failure is the comparative ease of policing between the two. It is much easier and quicker to see who is wearing a helmet than it is look up whether the motorcyclist has the requisite current insurance.
Despite this, there is one major failing with your ‘insurance instead of helmets argument’ - aside from the very valid aspect that no amount of insurance dollars can correct death or permanent incapacitating injury (not yet). An ounce of prevention is better than a pound of cure.
The one major failure is the comparative ease of policing between the two. It is much easier and quicker to see who is wearing a helmet than it is look up whether the motorcyclist has the requisite current insurance.