who pays the increased Insurance rates because of a track injury
As a result of someone injured in a race (for which he already waived litigation) due to his own negligence? He won't get a dime, and you won't pay for it.

That was the "legal" argument giving the Federal government the right to lock you up for... not wearing your seat belt.
Remind me - where does this appear in the Constitution?
Trick question: it doesn't.

Very simple: you're responsible for your own life, but not mine, unless you want to pay for it. Give me your credit card number and I'll buy any helmet you approve of.