> Powertrain is not a concern. It's the load a bike can carry vs a car overall.

Sure, an automobile will pretty much always win out in raw capacity, but I'd argue it's a policy problem that makes us reliant on automobiles for day to day life. If people only needed a car for their weekly grocery trip but could bike to work or school or the doctor's office that would still significantly reduce our reliance on automobiles, with benefits in health and energy.

> I don't want to risk having an injury on a bike either. A car is much safer.

Also a reasonable concern, but again more of a policy problem: we prioritize cars over pretty much every other form of transportation to the detriment of everyone else in public spaces. If we had more protected walkways / bikeways then everyone would be safer.

In general I don't think we regulate the safe use of automobiles nearly as much as we ought to in the states. Leaving it as an individual concern makes it a race to the bottom, with everyone buying bigger and bigger cars in the name of safety, all other externalities be dammed.