You keep feeling blamed, but I've not done so.

I simply spoke about odds, saying that if you have as many close calls as you say, then the numbers are against you.

This has nothing to do with blame, it's simply a numbers statement based on your implication that the streets are so dangerous. OTOH - maybe they're not so dangerous after all.

BTW - I have a friend with whom I rode for years. Like you, he started feeling that there were too many problem drivers on the road. Having decided that roads were unreasonably dangerous, he opted to quit while he was ahead. If and when, I start having enough close calls to agree with his opinion, I'll probably do likewise.