Sure, but the roads the enemy is using are a vast minority of all the roads out there, constrained to certain geographical areas. If one happens to be in the middle of it, they'll have bigger concerns than whether to invest in a bike or a horse.
If it's the apocalypse, then everyone will be desperate.
IQ is an attempt to represent a persons problem solving abilities with a single number. This is bullshit, because intelligence isn't that simple. There's different kinds of intelligence. Some people are better at some kinds of intelligence, while others have their strenghts in other areas.