> economically discouraging cycling If $10/month puts you off biking then you should not bike in highly populated areas. Period. This is classic case of poor

> economically discouraging cycling If $10/month puts you off biking then you should not bike in highly populated areas. Period. This is classic case of poor financial planning. You don't need $10/month insurance? Too expensive right? Take a chance, then get injured and get hit with a $10,000 medical invoice. Good job saving $120/year, you showed them.