This is like the statistic that says that 80% of all automobile accidents happen within 10 miles of home. It's not because the area around your home is more dangerous, it's because you drive near your home more than you drive anywhere else. It's basic statistics.
The reason car drivers don't wear helmets is because of the insane number of safety features that are built into a car, from seatbelts to airbags to varying strengths of materials, that bikes simply don't have. If another car hits your car, a number of things jump into play to save your life. If a car hits you on your bike, you're gonna have a head injury at a minimum.