You're just looking at one side of the coin. The real problem is that people want the government to take care of them. Food Stamps, Government Housing, Social Security, Medicare, School Meal Programs, Minimum Wage, Subsidies of all kinds, College Loans, Business Loans, O'Bama Phones. The Give-A-Way list is endless and some politicians are working as hard as they can to add more items.
For instance. If you smack your head on the pavement and you can't afford treatment, what happens anyway? That's right, you get treated. Who pays the bill? The government, (which is you and me, the tax payer).
So, if the government is going to be on the hook for the consequences of your choice of safety gear (or lack thereof), then you have given them the right to tell you to wear a helmet.
Personal freedom requires personal responsibility. And that went away a long time ago.