FFS
If there are a collection of fast moving, hectic roads at rush hour with accidents/near misses – would you ride on those same roads at those times?
If I needed to, yes. Maybe they need to be somewhere at a certain time that entails using that road, you know, like commuting.
Again, sometimes just because you can shouldn’t mean you should.
That’s a judgement call, yours is totally invalid when applied to someone else. They’re not doing anything wrong in using the road, your ‘might is right’ attitude is bizarre, frankly.
Self preservation and listening to that little voice in your head should take precedent.
In your case I’d suggest you stop listening to the voices in your head.