Financial irresponsibility

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I have lots of unkind things to say about cagers. Like it or not, in general they are the enemy, seeking to kill and maim me at every opportunity. They hate me and want me destroyed; even the ones who stick their hand out of the window and wave are probably just drying their nails prior to reaching for the Glock.

And in general I have nothing but good things to say about the noble bicyclist, even when he’s veering, cursing, scofflawing, spitting, and getting off his bike to urinate in plain view of granny and the littl’uns. The worst spitting, public urinating, middle finger waving, ass scratching, profanity spewing wanker on a rusted out beach cruiser with two loaded beer coozies is, in my mind, infinitely preferable to the kindest, sweetest, most thoughtful and considerate cager.

However.

There is this one thing about some bicyclists that gets under my skin, kind of like the heads of a thousand deer ticks. Now I’m probably going to offend someone you know and love, and for that I am really happy. If I don’t offend you, I’m sorry. Send me a private note and I will try again. As Abe Lincoln said, you can piss off some of the people all of the time, but it’s damned hard to piss off all of the people some of the time.

Here’s the deal: You’re sitting at work getting paid more than you’re worth, fiddling on the computer wondering if you can knock off at 3:47 and still look vaguely occupied until 4:30-ish, when you can begin the pre-exit rumblings and fumblings that show you’re bringing a most productive day of Facebag-checking and Google news reviewing to an end. Suddenly, you get a message. It goes like this:

Hi, Bill — you know our mutual friend, Wanker McGee? He rode his bike off the edge of a cliff while doing front-end  downhill wheelies with Manslaughter, and he misjudged the log he was trying to jump backwards and flipped off the cliff and onto the cactus 200 feet below and got LifeFlighted out and it looks like it’s going to be a while before he’s racing again or able to eat without a straw.

Anyway, his medical bills are in the six figures and you know he’s been living in that cardboard box down on 3rd and Main as he’s in his third season of trying to get his first pro contract, so I’ve begun a GoFundMe campaing for him and would really appreciate it if you could spread the word and maybe kick in a few bucks.

If you’re like me, you click on the link and kick in a few bucks. Then, feeling sorry for the poor bastard, you share the link with your friends and hope that the next time an appeal goes out it’s not you with the squashed melon. After a couple of weeks ol’ Wanker has piled up a whopping $5,000 to help defray his medical bills of $354,000. Which kind of raises the question of …

What the fuck is anyone doing riding a bike without health insurance? While I realize that there are a lot of destitute people who use a bike to get to work, the communist-socialist-atheist-Islamist Obamacare program makes it possible for the poorest of the poor, yes, even bike racers, to get health insurance.

In other words, if you can afford the $5k rig, two extra full-carbon wheelsets made of 100% carbon, the wardrobe, the entry fees, the podium cap (still unused) and transportation to the race, then you can afford the $90 communist-socialist-Islamist health insurance offered by our foreigner President who is trying to destroy democracy and our great nation by getting health care to sick people.

In other-other words, if you’re too much of a cheapfuck to get Obamacare but insist on racing the local crit/riding offroad with Manslaughter, I’m not sure you deserve anything from me. To make it even worse, there are bike racers who refuse to get the free (that’s “free” as in “your mom doesn’t even have to pay for it”) insurance because if you make less than $15k (and what bike racer makes more?) you get put on Medicaid, which, in addition to being free, is the Antichrist for many a Republican, welfare-hating, pull-yourself-up-by-your-bootstraps bike bum.

In short, the shame of being on socialist welfare free healthcare is worse than getting smashed to bits, asking others to pay for the damage, and then discharging the debts in bankruptcy.

My attitude towards this isn’t because I’m a heartless, unpleasant, penny-pinching Scrooge, although that’s part of it. A famous case here in LA a few years back involved a well-known rider with two kids who tore his face off descending Las Flores, and had to rely on crowd-funded donations to retire his medical bills. I helped promote the fund and donated to it, even though several people pointed out that a grown man (he was in his late 40’s) with two kids giving descending clinics on white-knuckle descents without health insurance was exactly the kind of guy who deserved the old “you made your bed, now lie in it” treatment.

Of course no matter how irresponsible someone is, when little kids are involved even the mostly heartless will reach for their wallets, and I still don’t regret doing so.

The main problem I have with shifting affordable health insurance premiums or even free Medicare coverage onto the greater biking community is that no matter how much your friends kick in, it won’t be enough. First of all, even if you raise $50k, it’s going straight to the hospital or other healthcare providers. Do I want to donate my somewhat-hard-earned money to Kaiser Permanente? Um, nope.

Second, raising money before you’re finished treating — assuming you’re a completely broke bike racer; redundant, I know — is a terrible decision because ultimately you’ll have to file bankruptcy and the money that’s rolled in may not be exempt, especially if it’s over $25k. In other words, Kaiser will still get a bite.

Third, there’s something really wrong with raising a stink about cagers who are uninsured or underinsured, which means they can’t make you whole when they run you over, then turning around and displaying the same financial irresponsibility when you crash out in a bike race and thrust the bill onto friends, family, and sympathetic strangers.

Century rides, race promoters, and other entities that put on bike events should require entrants to show proof of health insurance. USA Cycling (the great useless entity in the sky) should require you to submit proof of health insurance before it will issue a racing license, because unlike many activities, bicycle falling off incidents in bike racing are guaranteed if you do it long enough. 100%, no exceptions.

In addition to health insurance, if you so much as pedal down the block you should also obtain maxed out uninsured/uninsured motorist coverage on your auto liability policy. This will cover you for the collisions when the cager who mows you down doesn’t have enough coverage to pay for your brain transplant, acting in effect as a third-party health insurance policy for you. And if you can afford a car and a $780 set of bike racks, you can afford the few extra bucks a year it costs to max out UM coverage.

So, I wish I could help out all the people who need it, and I don’t regret having done so in the past. But even more, I wish they would take that tiny ounce of prevention so we wouldn’t have to donate the massive pound of completely ineffective cure.

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