The OPs point was more about the bickering than what vehicle.
FYI, there are states in the US that don't require motorcycle helmets, which is also part of that bickering.
In terms of risk... a head injury is a head injury... it doesn't necessarily matter how fast you're going or on what vehicle.
I spent 4 years living in Vietnam. Helmets are mandatory there, but few people wear ones that would actually help you in an accident. They just wear a plastic cap that gets past the law. Other countries in SE Asia are similar.