If you want to not wear a helmet, then you should be exempt from all forms of publicly funded health treatment regarding any incurred head injuries as a result.
Accidents are rarely the fault of the rider.
If accidents are rarely the fault of the rider, why should the rider have to pay for head injuries caused by someone else?
Because they expose the risk. How quick are cars and motorcycles and opening car doors? How much does the rider pay? 50 bucks for a helmet. How much do cars, trucks and buses pay? They pay ACC levies that cyclists do not pay. Cyclists do not wear out the roads. But cycles lanes are funded without cyclists contributing, thats very fair. But the risk is still there on roads.