Because sometimes people do stuff that is so stupid, that they put themselves in a position to be hurt. Have you heard about defensive driving? Think of my comment like urging defensive living. Don’t do stupid things. Sorry, but America in 2022 is not a place to ride your bike at 1:00-2:00 AM. You are just asking for trouble. IMHO
Trouble with that is that “don’t ride your bike at 1am” can quickly become “don’t go out after dark”, then it becomes “stay in the house”. Can’t let that happen.