That's what the metal chasse is for. Not to mention airbags. Cyclists don't have those.
Similarly six-point restraints, I'm always confused why there's just a lap-and-shoulder belt in most cars.
I might be convinced to personally start wearing a helmet if an awareness campaign gained traction. As it is, I will take the additional risk to avoid looking dumb.
I personally believe that (personal adult) helmet laws are a violation of individual liberties but we should create laws that force bike/scooter sharing companies to make sanitary helmets available. It is better to regulate business behavior than personal behavior.