I share your frustration. Although there is only one short stretch of bike paths on my commute route, I frequently encounter joggers and walkers on the streets while riding to work. Most of the time, they are dressed in black with no lights or reflective gear, and often they have a dog on a leash.
One day this week, I came around a corner off a busy highway, and a pedestrian was starting across the street in my lane. I had to hit the brakes and swerve to avoid him. The guy has the nerve to tell me to "watch it" when he was jaywalking and crossing the street 20 feet away from a crosswalk. I am lit up with 2 headlights, 3 taillights and fluorescent yellow gear at the time. Seems like he should have been the one watching it.