Does anyone with a motor-vehicle drive the "speed limit" in Ontario? When limits are set low to accommodate the police and insurance lobby (the people who gain the most from the artificially low speed limits) everyone is a criminal.
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The one chink in the armor of that theory is that since the tougher speeding laws, the number of deaths in street racing has dropped significantly, as have over all road deaths.
However, you have a good point: while younger drivers have more infractions that older drivers, older drivers have more crashes, but pay far less insurance. The system neither encourages safer driving nor rewards it. Speeding bad..weaving across three lanes in a pickup up the 400 while following 3 feet way and sipping a piping hot double-double-ok!
I get it, when I started riding, I wanted a cool racy bike and raced around like a total c*nt, somehow survived, but at some point it clicks that the place to really get excited is on a track. But then you have a problem, you have peers beside you, and this intimidates some 20 somethings when they realize slingshot and wheelie and generally acting like a total c*nt is not actually a skill.
This is why most older riders have no f8cks given on riding slower bikes on roads, and why others only do track days on powerful bikes. The GTA is overcrowded, and it's only going to get worse.