It’s all about risk tolerance. Wearing a helmet on a bike keeps you a little safer. Wearing body armor keeps you a little safer. Those are facts. But the decision as to what actions to take to keep oneself safe is a personal decision. As such, it may be reasonable to advise people of that information so they can make a better decision. But insulting them for failing to take advice you personally consider common sense is just rude. And when you’re insulting them and ignoring the person actually creating the danger… well that’s why the term carbrain was invented.