Personal safety is a real concern. I'd rather be in hock for life with a decent body than in traction with incalculable wealth. Wouldn't you? I've noticed that motorists are very impatient with bicyclists such as myself but also with anyone traveling slower than they. People use cars to harass the one in front and often cars become deadly weapons. 'With one eye in my rear view mirror' I can steer my bicycle off the road in a hurry when motorists start acting crazy, which they often do. Many are drunk or high on substances, including anger and self-pity. Others are simply not paying attention and forgetful that they are losing control of a several ton, rolling missle. Better to be safe and broke than just broken up.