Wearing a bicycle helmet is all about Indoctrination thru Marketing : After all I see Young Teens riding Mopeds and Adults on Motorcycles with No Helmets . Yet the same family rides by Muy place quite often. All of them Adorned in Bicycle gear and Helmets : It's marketing :
More likely you'll have a flat tire then a bike Crash. Yet most don't carry spare tubes because it's not Marketed >
If they Marketed Head Bands with reflectors many would have them/.
As for wearing a Helmet along a Busy fast moving Highway or Road. If you get hit You're probably pancake batter :
I do see a Need for Mountain Bikes and Electric Bikes :