Yeah, like run INTO something, or off into a ditch or hole, or . . .
Horses will stay upright on their own and not *usually* run into things (some are smarter than others). The more sensible ones will keep you from taking stupid risks.
Also, a horse can jump a fence or a stone wall without the aid of a dirt ramp.
That’s only if you’re inattentive enough to ride into a ditch or hole. I prefer not to ride in such a haze that I don’t see such things and avoid them. On the other hand, bikes never step into gopher holes and break their legs, bikes don’t get infections if they get a stone caught in a tire, and bikes don’t freak and throw you off just because they saw a stick that looked vaguely snake-like.