Dear Squid,
12 o'clock boys may crown you their king.
You're so open minded it's hard to believe you can't consider:
A car avoiding you and hitting another car, or stationary object.
A riders helmet/ head can go through a window and injure someone in a car. Is it likely no? Is it you're right to make the decision for everyone else? NO.
People may have other things to do in their day than mess with insurance( can you afford to reimburse them if your insurance denies a game playing claim?, go to the repair shop. have a wrecker pull their car off the top of you/your bike.
It's all thumbs up until something goes wrong.