Drivers are definitely more disciplined here because habitual blatant disregard of traffic laws will lead to you quickly losing your license.

Motorists don't usually get into accidents either, it's when exceptions happen that you can be glad to have been wearing a mandated seatbelt.

The cost of a decent helmet is 30-50€. What's the cost of bashing your head against the curb and leaking fluid out of your broken skull?