> If you're on a motorcycle you have to treat everyone and everything as out to get you, because they are.

That's not the best way to put it because it implies that motorists will purposefully try to crash into motorcyclists. In reality, it's due to inattention and the risk of a collision can be reduced by the motorcyclist through defensive driving techniques. For example, when approaching an intersection, is there a motorist approaching or waiting there who could cross my path? What's my plan to avoid that? It comes down to planning rather than reacting.