I bike because insurance/gas/maintenance of a vehicle would eat up a significant amount of what I make and there'd be no point. Everywhere I need to go is within riding distance, why have a constant source of money loss every month if you don't need one?
And no I don't ride in the center of a lane that's faggot behavior, if you're a bike you get the fuck out of the way because cars are deadly missiles flying by you at all times. I don't get "cyclists" who act like we're traffic, we're not.