If you are cycling indoors you can amp up the music. Wear earphones if you prefer. But if you are cycling outdoors I would not recommend it. This might cause an accident. Lots of accidents happen due to some people wearing earphones while walking, driving and cycling. I know someone who got hit by a motorcycle because when he was cycling he didn't hear the beep of the motorcycle. Apparently, he was wearing an earphone.
That's very true. Some people are fortunate enough to have their own indoor space for riding their bicycles. I remember watching a movie where rich people owned their own property. You could practically ride your way around it all day.