Strange how this shakes out, isn't it? Forcing a company to pay a certain wage is bad. Forcing a company to cover injuries from certain behaviors is good.
Yep! And we're talking easily insurable risks, for an optional, if fun, endeavor.
If I can afford $20K for a Harley, I can afford another $100 for life insurance premiums. Insuring my ass isn't someone else's job.