Your faulty argument depends on blurring the lines between risks within our control with those that are not. But there is a huge difference.
I will tackle one of your examples, riding motorcycles, where I have some expertise. I taught motorcycle safety in PA for 6 years, nationally certified and trained by the Motorcycle Safety Foundation, and have over 40 years riding experience,
Motorcycling is risky behavior, but for motorcyclists the reward outweighs the risk. Through training the risk of crashing may be reduced, but reduced is not the same as eliminated. But wearing a helmet may save a life by protecting the head in an unavoidable crash. Some people choose not to wear a helmet and in making that choice accept greater risk. That added risk appears to affect only the motorcyclist without a helmet, but it really also affects other motorcyclists as insurance rates are higher in states where helmet use is optional. So it isn't just about us as our actions also impact others.
We have the same issues with COVID. The virus is with us and outside our control. But we can mitigate the risk of contracting the disease by wearing a mask, just as a helmet prevents head injury. But the mask doesn't just protect us, it protects the people around us. If we were COVID positive, and unaware of it, we could infect many people as we've seen at superspreader events. Just as mandatory helmet wear keeps everyone's insurance rates down and prevents the superspreading of insurance rate increases.
The point is that we should mitigate those risks we can. Why take unnecessary risks? And we have to realize that it isn't just about us. We live in a world with other people and our actions affect others, just deciding to not wear a helmet affects the cost of everybody's insurance and and deciding not to wear a mask because of "personal freedom" affects others and may lead to the deaths of friends and loved ones.
You have the right to take whatever risks you choose, but you definitely do not have the right to make others take on more risk because of your actions.
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