it also applies on my country, but our investigation team sucks, so proving its just an accident would be easy and would only lead to funeral fees and others. hospitalization and a high possibility of operation fees are tad more expensive XD
yea proper gears are cheaper than hospital fees, though running a bike at reckless speeds always leads to accidents, most likely deaths, be it geared or not. car's shell can save your life better than open air bike though =P, i`d like to see an airbag on a bike...
Edit: i just remembered some bum modus somewhere, buy a cheap car and get it run over by some rich guy, be sure to stay alive(but get some minor injuries too) and sue the person for damage to private property and voala, profit. instead of using the money you sucked up into repairing the ruined car, junk the car and get a new cheap car XD