As an ex biker, I learned very quickly that doing something silly at the wrong time and place hurt - both physically and in the wallet. The alcohol (the cause of all my crashes) usually blunted the initial pain. My mates with fond and richer parents had fully comp insurance and were rewarded for binning it with a new and more powerful bike. Most survived, although 4 died in one accident - that calmed us down very quickly.
It's made me much more aware of road conditions and other road users - I did the RAC/ACU bike course and was taught to treat everyone else on the road as a homicidal maniac who's one aim is to kill you. Driving a car as if you are on a bike has saved my bacon a number of times, but I still bang my head on the window when leaning into righthanders
I think that is what today's youngsters miss - they think that they are invulnerable in their tin boxes and know that someone else will pick up the tab - if they don't kill themselves first. Roads have got much busier, and the slightest error can have horrendous consequences.
Later on, with a company car and an increasing company insurance bill due to the sales rep carnage, I got sent on a Drive and Survive course. On that I got asked about my views of people speeding on my local roads. I said I didn't like it because of my kids' safety, so had no answer when the instructor asked why I did it to others
Since then I've been a born-again 30-ite in restricted areas. Don't ask about the motorways and open roads, though - my halo turns into horns!