"Woah, what's with the bike? What are you, a reject from the 19th century or something?"
"Um, no, I just can't afford car insurance after my accident."
"Oh, whew! For a minute there I thought that you were actually getting into saving tons of money, engaging in healthy exercise, and working to reduce your carbon footprint! If that had been the case, we could not be friends anymore because man would that be lame!"
"No, I don't want to ride a bicycle to work- its not a tree-hugging loser! I just can't afford car insurance!"
"Well, I've got a solution for you- go to The General online and get cut-rate, virtually-no-coverage but totally legal car insurance. Then you can dump that stupid bike thing in the trash where it belongs and get back to being normal and driving into work by yourself, spending thousands of dollars a year on gasoline, parking, and repairs."
"Thanks very much! I'll never ride this ugly, non-polluting, non-motorized Not A Car ever, ever again!"