You're emphatically wrong. If we have an accident and you die as a result of not wearing a helmet then your estate can file a wrongful death lawsuit against me. If there was a helmet law in place and you weren't wearing a helmet at the time of the accident then your estate is going to have a much more difficult time winning a wrongful death lawsuit. Your actions have consequences for others and frankly it's rather childish to try to pretend they don't.