Wrong.

You immediately reduce your chance of a bicycle wreck to zero by staying off your bike.

The Melaque shark event may have had a one in eight billion chance of happening to any living person. (Odds are pretty good it won't be you.)

But the attack had to happen to someone in the water that day. (Guesstimate that 10 million people were swimming or ocean-adjacent that day, odds are 10M to 1 that it will be you, still pretty good odds.)

The attack in Melaque happened at a time when there were perhaps 1000 people in the water nearby. (All of a sudden, the odds are not all that good.)