Income is a huge factor. I just started a new career and don't have tons of cash up front to buy gear. I managed to get my helmet financed with my bike, and bought a jacket and gloves in cash. Parents bought me boots thankfully, but I still can't afford the riding suit I want..will have to risk 3-4 months of riding in jeans before I can get the suit. And younger people will probably take even more chances..theyd rather ride the bike they want without gear, than to ride something they dont want with full gear.
edited: after finding this epicly awesome RS Taichi jacket, I've decided that debt just might be worth it lol
http://stores.sportbiketrackgear.com/Detail.bok?no=7697 - gotta be in white!!