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Agreed. The people who complain about earphones while riding/driving/cycling are older and grew up in an era where they had advertisements on television warning people not to do that. The actual risk is fairly minimal. As you point out: modern cars are designed to be super quiet. Just use some common sense.
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Cars are much more safe in a crash (surrounded with a steel frame, airbags, safety belt...) and also safer while driving (better mirrors, bigger and easier to see).

I use the bike, and I know for a fact that almost any crash with a car means me in a coffin. I need all my senses at 100%, can't afford the luxury of listening to music or wear shorts for example.

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Cars are only safer in a crash if you are inside the car. They are a big problem for anyone they crash into. That's why it's so very important that you see and hear everything happening around you. Why should the once with more mass and speed have the luxury of listening to music?
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hence the term ‘cager’ - once you experience the phenomena from a bicycle or motorcycle it becomes obvious.
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