This is not about the state protecting us, since a fine for not wearing a helmet does not actually protect anyone from anything. All this does is create learning opportunities for people who choose to forgo protective equipment (in other words no one is going to pay attention until there is a cost they care about). In essence this is the free market at work.
My greater point is that the cost is not just to the individual making choices, but to others. If we extend this perspective, those who do not wear helmets should not get state sponsored care. Why should our taxes pay for someone else's choices? The answer is because we choose to live together in this society.
I am not focused on this specific issue as much as I am the larger issue. Personal responsibility is a good thing, it is just that the consequences usually impact more than just the individual making the choice. When you take preventable injuries and deaths together (alcohol abuse, obesity, distracted driving, smoking etc.) the cost to our society is staggering.