the equivalent of “trust me, Bro, I know someone who died and the doctor/emt told me if they hadn’t worn a seat belt they would have lived but instead the belt snapped their neck”

That isn't even slightly what the parent commenter, or the actual legitimate study he cited, was claiming!

Frankly, you're the one spreading harmful misinformation by falsely insinuating that it was.

The actual point is that if you aren't legally allowed to ride without a helmet and you also can't or don't want to ride with one (for whatever reason), you might choose not to ride at all and end up driving instead. That's what's more dangerous (in terms of shortening overall live expectancy by getting less exercise) than riding without a helmet.