Note that his family isn't dependent on his income or earning potential anymore, so it's not like he'd be leaving then destitute if he got killed. Purely financ

Note that his family isn't dependent on his income or earning potential anymore, so it's not like he'd be leaving then destitute if he got killed. Purely financially, they'd be better off. That said, everyone has to choose their own acceptable level of risk. Edit: Plus you can argue that biking all over the place decreases his risk of dying of heart disease or similar later in life, which may balance out or outweigh the risk of dying in a vehicle collision.