I'm assuming you didn't do the math there - in your hypothetical scenario I'd likely be dead within a year if I rode a bike every day. Then I obviously wouldn't do it.
But the point of bringing up the statistic is to check "is this risk worth worrying about, to the extent that I'm not gonna do thing X"? That's what a rational person does in all situations - is the risk of flying so high that I shouldn't go on holiday? No. Is the risk of falling if I climb that cellphone tower so high that it's not worth it for the view? Yes.
But the point of bringing up the statistic is to check "is this risk worth worrying about, to the extent that I'm not gonna do thing X"? That's what a rational person does in all situations - is the risk of flying so high that I shouldn't go on holiday? No. Is the risk of falling if I climb that cellphone tower so high that it's not worth it for the view? Yes.