43 year old me is by extension more reliable that 34 year old me by an easy 16%.
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There's this odd thing outside of the US where you have to start on small bikes and graduate to bigger ones. Its kind of an overreach of government IMO. The first two wheel machine I rode was a 5 HP mini-bike with only a rear scrub brake. Then was a 2-cycle scooter thing, I can't even remember what it was. Total chick magnet though. I gave just about ever girl in my subdivision a ride on it at one time or another. Then a YZ80 dirtbike. That thing was a demon. By the time I revisited my two wheel needs, I was in my thirties. I had no debt and was looking for a hobby. I bought a CBR 600 RR and learned a lot on that bike until it got totaled. I was rear ended at a stop light. Someone mentioned that they thought it was a Ducati from a distance, because it was all red. I thought Ducati was some unobtainable brand, but when I started looking they weren't that much more than a comparable 1000cc bike. Went to the local Ducati dealer. A sales guy, who was the GM I think, walked up and asked "What do you ride?" What a good way to start a conversation. He showed me an 1199. I sat on it and loved it. He asked if I ever heard a Ducati, and I said no. He took me across the street to they warehouse, and even showed me a 1199 SL they were prepping for some rich guy who just wanted it for a living room ornament. He started a 899 for me. I bought the 1199 some weeks later after getting paid on the CBR by the other guys insurance.
All of that to say is that none of it should be legislated by the government. I think the vast majority of riders have a similar kind of stepping up that I did. If someone wants to YOLO 50k on a bike and toss it into a tree without exercising common sense, that's on them.
You probably ride round with your hazards flashing when you come into a chicane 
