There's little reason to expect to be run over when you're on a bike, jut like there's little reason to expect your website to be hacked because you use FTP. If you're a normal person.

We have to be proportional when we do risk assessment. Just because it's part of modern programmer faith to be against FTP, doesn't mean it's sensible. Most hackers are just repeating what others have told them, and a lie becomes common sense.

If FTP is considered unsafe, then riding any non-armored vehicle should also be unacceptable.