I find it hard to believe that you've spent much time considering all of the many ways one can cycle unsafely if you've deemed the helmet as the #1 indicator of a safe cyclist (or at least a cyclist whose life is worthy of saving). I find it even harder to believe that you've spent much time considering all of the many ways one can live unsafely/unhealthy that can be just as or more likely to lead to someone being a burden on the healthcare system.

Because if you had, you likely wouldn't be going on about how you safe you are because you always wear your helmet (but only when riding your bike).