Higher net worth individuals like the ones you find in the upper middle class also aren't going to be risking their life daily on a bicycle outside just for exe

Higher net worth individuals like the ones you find in the upper middle class also aren't going to be risking their life daily on a bicycle outside just for exercise. You can easily just roll out of bed at 6 AM and jump on a peloton and safely get good exercise everyday, no matter the weather or terrain.