Comment by earlgray

If it's even odds then I expect it's a losing bet no matter what anyone writes down - that's why in the imagined scenario it's forced. The pertinent question isn't whether you expect to lose money by playing, it's whether you expect to lose less money by including non-motorised vehicles in your write-up than by excluding them.

Personally my instinct is that I'd lose more money by specifying skateboards and bikes as I've usually seen those addressed by their own signs rather than being included under "vehicle".