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@Mabande @noodlemaz right but there isn't just one kind of risk and there's no guarantee of low speed
1) there's also the time spent outside of the vehicle - delivery workers are often double parking which means more than double the exposure to getting hit by other faster cars while loading and unloading
2) the definite mileage increase/damages to the car and financial risk of an accident or crime - if you total your car while doing gig-work that's way worse than losing a bike. The cost itself, then the increase in insurance for a long time if they're still driving - the gig can easily cost more than you made.
3) the risk of injuring or killing another person, going to jail etc. Nearly impossible on a bike, totally possible in a car, even higher risk for the immigrant and minority populations who are often delivery gig-workers.