Here we go again. This issue has been around since I was 16. Today I am in my 60's. People who race wear helmets, full helmets, with neck cushions. Why? Because it saves lives. I have ridden all over the United States and always wear a helmet. Some times the temps have exceeded 100 degrees. Uncomfortable yes. I have experienced an accident where a helmet saved my life. I will always wear a helmet and take safety classes. Don't just think of yourself think of all those you will have to suffer when you have to spend your life a as a vegetable because of brain trauma just because you wanted to look Cool!
The MCCA is a state run fund, the insurance companies to not administer it. And yes, it should be audited but not for the reasons you state. Try the facts instead.
A motorcyclist is not responsible for paying for their own personal injury protection, the driver of the car they hit does that, or their own if they report that "fantom red pickup that pulled out in front of me". The only thing you have to pay for is the MCCA that pays for your injuries for the rest of your life when you make yourself braindead from hitting the pavement without a helmet, and your med bills go over $485,000. When motorcyclists pay for their own PIP and stop mooching off the rest of us, then they can ride without a helmet.