If it costs $1M, I'd rather pick the WC virus.
[0] https://www.cbsnews.com/news/gilead-coronavirus-treatment-re...
Case fatality rate for COVID-19 is estimated to be about 1.4% (still uncertain). That's 14000/1000000 chance of death, or 14000 micromorts.
Studies in the US have shown that people are ready to pay ~$50 per micromort. If we assume that remdesivir really is the ultimate coronavirus killer, it means that following statistics, people would pay $700k for it. Not that far off from your million.
In reality, safety standards in the US put the micromort at around $10, so that miracle cure would be about $140k.
Of course, it is just general statistics, a wealthy old man will pay much more than a poor kid (risk of death increase with age). It assumes remdesivir is a miracle cure, which isn't, we are not sure if it is effective at all.
In reality, it looks like treatment is going to be around $3000, which, if it improves my chances of survival by a few percent, is actually a sensible price.
But will you pay $3000 for each and every thing that improves your chance of survival by a few percent?
But $3000 for a percentage chance of a percentage chance is a lot tougher to argue for repeatedly.
Therefore, someone out there should be willing to pay me to take one of these (I'd settle for $2.5M): https://www.ducati.com/ww/en/bikes/panigale/superleggera-v4
[1] 6 million riders, 5000 deaths per year
You could get the government to pay a lot of money to make motorcycles unnecessary, but they already are.
Also $50 sounds high to me. Most standards are closer to $5-10.
If I had a motorcycle, giving it up would be the payment. Hence, I could pass the value on to someone else who assisted me, in theory.
If I "paid myself" I guess that would mean I could choose something else risky to do with my "balance" of micromorts.
A world where motorcycles act like curses is an interesting concept for a short story, but not very relevant to a discussion of micromorts.
* Not everyone is going to put the same value on their own life.
* Some people will find major restrictions worse than a very small risk of death.
There's three perfectly good explanations.
Also if you use $5 per micromort, a pretty standard number, you get a motorcycle-riding cost of about eleven dollars a day. Plenty of people would pay that on purpose.
Also using perpetuity math is really wrong unless you plan to live hundreds of years.
Also if you ride a supersports like the one you linked, you certainly won't be getting that $40k in perpetuity... :P