(Sorry for the direct reply- Thunderbird 5 keeps sending direct, even when I highlight 'reply to group'.)
What can I say? Reality sucks sometimes, but it is still reality. If biking is THAT important to you, and you don't want to be road kill, you will have to find a way to fine-tune reality to make it possible. It may mean making major compromises in another area of your life. Only you can decide if playing the odds is worth the wind in your face.
People who can't afford even an old beater car, should not move to areas so distant from their jobs, or at least not to areas without public transportation. (which I realize sucks in this country, mainly because people are so spread out, there is no way to make it cost-effective.) And in most of the country, even if the roads are bike-friendly, you can only use a bike as transportation part of the year. So unless you are willing to live in an older urban area where work and the bare necessities are within walking distance (which was quite common until WWII), you need access to something with 4 or more wheels and a motor, or have a room-mate who does.