@quixoticgeek @lienrag actually, there are all sorts of new-car standards focused on reducing head injuries - like various air-bag configurations, rollover protections, and even traffic engineering solutions. I think the effort spent on reducing head injuries in cars dwarfs what is spent on all forms of bicycle infrastructure, which only makes sense due to the immensely greater passenger-miles in cars than bicycles.
I am interested in this because I am about to go car-less and bike full-time. Everything I read suggests helmets reduce head-injuries, and that comes as no surprise. I imagine even pedestrians would have some marginal head-injury reductions from helmet-wearing! Anyway, I plan to wear a helmet - because I plan to commit to biking. But if I were planning to use a rental bike, I'd think twice: having to carry around a helmet when bike-renting is uncertain.
I'd have guessed people using rental bikes would probably be generally less committed to biking - they are trying it out, or they are tourists on a lark, etc. Not only are they less likely to have their own helmet, they are probably also less experienced bicyclists. But despite these factors, https://www.sciencedirect.com/science/article/abs/pii/S0022437515001024 showed, that bike-sharing REDUCED injury rates (not because my suppositions are untrue, but because safety improves overall when there are more bikes on the road). I guess, TLDR, just like the bike-renters, I also do not bear the cost of others' head injuries. Let them ride helmetless. And let's hope the large number of added riders will compensate with lower overall injury rate; for the likelihood that the injured will be the helmetless ones.