The insurence thing would help save big time and he can still keep the car as that would be a big step to take to just get rid of it. In his frame of mind all of this must be a big pill to swallow and riding a bicycle through town my feel humiliating to him at this point. You and I love to ride but we took it up during better times and started riding for the enjoyment we get from it. Try to keep his side of the fence in mind when you talk to him and I think you are a great friend