I think she is getting old, and sometimes when people do that, they start thinking about what all their deeds during life mounted up to, so obviously the woman is now getting a bit worried if she is going to get punished by some horse feeling like taking revenge for all its mates who had to suffer during the years
When I was a kid I used a helmet, but now I don't - but I also never ride a horse unless I am feeling very safe on its back. I know, horses are never 100% safe, but neither is driving a car, or a bike or passing the street in a city. So I just wear nothing... since I am living in DK where cowboy hats are not that fashioned
. At any rate I think everyone should decide for themselves to wear one or not. But if I had any kids, I do think I would insist that they should use on, because I think for kids we have another responsibility and they are I guess also a bit more fragile than adults.