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It's difficult, isn't it? Pedestrians always have the right of way. For instance, I had a situation a couple of months back going through Tooting...
Couple of chaps walked out from between cars to cross the road as I was overtaking. That was fine, I was riding at an appropriate speed (I thought), which allowed them to pass in front of me before I got there. So, all good. Except, someone behind me shouted at them and one of them (not both for some reason) decided that, having got most of the way across, the safest option was to head back from whence they came. Now they were right in front of me. Fortunately, my brakes worked (very well, as it happened, causing a rather impressive stoppie) and I stopped without hitting him. Quick swear (more our of relief than anger) and I was on my way; no more said.
What I should have done, I suppose, is stop and wait until they had both arrived safely at their destination on the pavement.
If you're cycling at just 18mph, have 3.5s to react, and you still crash into the person, you're kinda riding like a cunt by definition unless that person is literally throwing themselves in front of your bike. "Front brake aside" I'm not sure is a valid exclusion either, personally I'm very much of the opinion that it would have helped. It certainly saved me from doing an Alliston when that lady walked out into the road last Friday.