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I think there's a distinction to be made between blame for the accident and blame for the level of injuries. For example, let's say I drive around in a VW bug and get into a head-on collision and wind up in a wheelchair. I would consider myself partially to blame for my situation, if driving a safe car with ABS and airbags would have avoided that outcome. By the same token, I would feel responsible for excessive injuries as a result of not wearing quality protective gear on a motorcycle.
We assume an "unnecessary" risk by choosing to ride a bike and be more vunerable vs a car. We do it knowing full well the consequences of this risk, but consider the return to be worth it.
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