I think the bicycle helmet discourse really just reinforces the idea that people believe that accidents only happen to the stupid and careless, and that people who get hurt somehow deserve it. And since nobody wants to believe themselves to be stupid, or thinks they could be careless or distracted, it's not necessary to take precautions.
And then they take safety advice as an insult because telling someone to be safe is seen as an accusation of being stupid and irresponsible, and not just a value neutral acknowledgement of statistical inevitably. We see it with masks, and seatbelts, and now bicycle helmets because everyone wants to believe they're too clever to get hurt, and too lucky to get hurt badly, until suddenly you're not and you have to resign, in shame, to being one of the people you previously saw as annoying nags, assuming you're even still alive.
