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If towns/cities had decent bike lanes, ppl could actually drive, or decent public transit I'd agree but there are towns in the US you're signing your life away riding a bike.
We tried here. Everyone went mental about driving. Now I sit back and count how many more pennies I have to afford rent etc.
My first job as an intern was in a suburban office park. There wasn't anything of significance within walking distance and our office didn't have anything in the way of food/snacks. So a few of us would group up and attempt to cross the street to get to the gas station on occasion. It was a nightmare. Not a far walk at all, but it took forever to wait for traffic. And even when it cleared, you had to be super attentive as people in the burbs aren't used to people trying to cross the street. I hated it and I'm glad I don't work there anymore, but I had little say in where I worked at the time.
I'll accept that the status quo might not support non-car travel. But this doesn't mean it's okay. What are people DOING about it? If they're lobbying for change and pushing politicians, fine. But they're not, are they? They're buying pickup trucks
Even accounting for a 5.5x higher likelihood of a fatal collision on a bike, you still more than make up that life expectancy from exercise.
Here's an in-depth study from the NIH: https://ehp.niehs.nih.gov/doi/full/10.1289/ehp.0901747
The ratio of life years gained to lost was 8.4 for persons < 40 years of age, 8.6 for persons 40–64 years of age, and 10.8 for persons ≥ 65 years of age.