Actually Tom, I think it is about property too.  While it is sad that those people died in the Marco Polo fire, look at all the units that were damaged.  Property damage I am sure will be more than bodily injury althouth some would say it is impossible to put a value on life.  Then there is the time element loss which will also be substantial.  

But you are right.  Helmets should be required.  I don't believe they cannort hear anything with a helmet on.  Get hearing aids too them.  lol