It’s callous to say I wouldn’t kill myself to save a suicidal idiot? I’d say it’s common sense.
That speaks for itself.
And with a split second to evaluate what you have, how do you know this is “premeditated suicidal idiot” or “some poor soul in a panic?”
I would take the risk of evasive maneuvers if there was the smallest question.
I believe you are the one lacking the common sense.