I agree with RM. I live by "no business within the family or among friends" principle. Being from a very big extended family, most of which are small entrepreneurs of some sort, I have seen many deals turn bitter or uncomfortable.
Moreover, a bike too big to me sounds like a liability. You could tell her that you would feel very bad if she had an accident with that bike (and cracked her skull because of the no-helmet stubbornness).
But I understand the difficulty of dealing with the matter.
I understand from your message that she has the bike with her now. Perhaps you could tell her that you'll keep loaning it to her until spring and that she should buy her own then (while you sell this one)? Still, personally I don't lend bikes to people who won't wear a helmet. I don't want my civil responsibility implied in such an accident. If I loan a bike, I loan a helmet too.



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