I agree with having a good helmet, however to be honest my first motorbike ride and car drive at 60kmh were terrifying. Also many people never bicycle even in a 30kmh limites zone because they don’t feel safe.

But I don’t want to downplay speed, as you noted it’s probably the key: most motorbike death are because speed or loose of control without involving any other vehicle. Also small cylinders (< 50cc) are almost absent in the death toll. If suicidal motorbikes with good helmet are allowed, so should be the bicyclists (with good helmet).