Totally false--and yet even cops hold this attitude. We gear up because we recognize there are horrible drivers behind the wheels of Hondas out there that threaten our lives with a high level of incidence. Collect whatever other threats that you like in there with the Honda drivers--here I'll help you get started: Big ass black trucks, taxis, muni, Prius drivers, animals, spillage, street rails, painted surfaces, etc. There are plenty of solid reasons to wear gear from head to toe without the need of aggressiveness on the part of the rider.
Lets deal with reasons to not wear gear. Anyone that believes this is a free country really isn't paying attention--so you can drop that argument because it just makes you look
ignorant, or stupid. Which leads nicely into my next paragraph.
There are two reasons to not wear gear.
Ignorance, and stupidity. You might have an argument with financial ability, but anyone that's tried to successfully pull that one off has lost--used/free gear abounds. People that don't know any better will be the ignorant lot, and those folks actually have potential to be better protected with something so simple as education. Which as seasoned riders is our responsibility to share.
Stupid people will come up with the most amazingly creative reasons to not wear gear. It's hilarious to what extremes they will claim. You can lump in lazy with stupid as it equates to the same results. There truly is nothing that can be done with this group of people--arguing with them is an exercise in futility. It is best to just let them work their way out of the gene pool. Although it can be entertaining to make fun of them.
As to laws requiring people to gear up they are asinine, and clearly don't understand how society functions (unless of course you believe the man is employing these sorts of laws to disable society). If you consider how you learned to be responsible (questionable for some around here) it was when you were given responsibility. By electing helmet/seat belt/baby seat/ etc laws we remove personal responsibility, and place it at the hand of the enforcers. Now it's the cops responsibility for you to wear a helmet. These sorts of idiotic laws produce an irresponsible society. Do you really want to live in a place full of irresponsible people?
If you want to ride without gear that is your choice. Getting bent out of shape because people recognize you for what you are by not wearing gear is just confirming their observation--that is you are either ignorant, or stupid, and thankfully there's an easily available solution to that state. Gear up.