So does it include health and sick pay for when you get injured or older and you’re less mobile? Cycling all the time could be way more taxing than driving.
Though keep in mind they're throttle e-bikes, so there isn't a lot of actual pedaling going on. And as far as accumulated workplace injuries go, merely riding a bike is pretty easy compared to a lot of blue collar work. No, I think what'd get you here is the crashes.
Because anywhere that has any air pollution, you'll ingest more when you're breathing harder and have no air filter.