Accidents in which cyclists hit cars that pull out from side streets are not uncommon at all. The cyclist can't always stop or swerve in time. Accidents in which cyclists are cut off by turning cars are very common ("right hook"). These are the most common sort of bike/car collisions in my city, because we have a lot of curbside bike lanes.
As I said above, and I think as any cyclist who has ridden in traffic more than about five times and survived has learned, you never take it for granted that cars pulling onto the road notice you, even in broad daylight, even at night with a 500-lumen headlight plus an added blinkie ... and pretty much any cyclist who T-boned a car in that situation, dark or lights, day or night, would be deserving of a punch from The Fist of Darwin.
Your other scenario is the same. if a cyclist rams a car turning at an intersection, he deserves to be smacked down with Darwin's Hammer, for the good of the rest of the human race. In that case the issue wouldn't be that the driver could not see the bike, but that the rider was a moron.
Your statement seems to deny that any cyclists could be so stupid to get in such an accident and/or to say that cyclists involved in such accidents are all morons and deserve it.
I'm not sure if you are a moron, but you are certainly saying dumb things here.
Which is something (dumb statements) I see a lot, from people who are trying to justify not taking some safety measure (helmets, seatbelts, lights, etc).
Why not simply say "I know that doing XYZ (e.g. riding at night without lights) is more dangerous that the alternative, but I do it anyway for reasons sufficient to me".