Old 07-05-20, 05:09 AM
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I think if you re-frame your question as "what are the barriers to participating in cycle touring?", lack of medical insurance would be pretty low on the list. In no particular order, other barriers that seem more likely are the cost of bike and gear, the need for time and safe places to ride in order to learn to enjoy cycling and to prepare for a tour, concerns about safety traveling on back roads, and lack of role models/mentors to introduce people to the activity.
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