I just left the hospital because I've had an accident with an e-scooter about two hours ago. I got off relatively lightly, looks like I have a fractured elbow though. I think it's an unnecessary risk to ride without a helmet, which I'm no longer willing to take.

This market serves as a commitment device for my plan not to ride a bike or e-scooter without a helmet for the next three years. Will I make it?

I will not bet on this market.