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For me the number one reasons is assholes stealing my bike the millisecond i turn away
If bike theft was prosecuted similar as car theft, or even better, horse theft when people relied on horses…
As someone who doesn’t own a car and does most trips with either a bike or public transit: Because shitty weather (rainy, too cold, too hot), loads larger than are convenient to carry on a bike, and distances impractical to travel with a bike exist.