Think about a situation where a person falls off their bike, splits their trousers, scuffs their knee badly and spills the contents of their briefcase all over the road. Dazed, the cyclist momentarily sits in the road and thinks, 'This is the worst thing that's ever happened to me ...'. In the direction opposite to that in which they are facing a juggernaut is piling down the road towards them, breaking the speed limit by more than 20 mph, with its driver texting as he drives ...