My ds2 and ds3 both do paper rounds, usually on their bikes, but sometimes on foot, and we have drummed into them the need to be seen. Their paper bags are made of reflective material, which is good, but we also insist on lights when they cycle.
I do think that we all have to take responsibility for our own safety - we learned how to cross a road safely, for example, and we teach our children the importance of road safety.
Recently, I was driving one of the dses up to school for an evening event, and a pedestrian went across the road in front of us, and he was practically invisible. I wasn't going fast, and was able to slow down, and he was crossing far enough ahead of me for me not to have to slam the brakes on - but it shocked my ds to see how invisible the pedestrian had been. I genuinely don't think people realise how difficult it is to see a pedestrian in dark clothing, even in a street-lit area.
The problem, of course, is when it comes to legal liability in the case of an accident - as you point out, Snorbs. Every driver should be aware that they are driving a lethal weapon, and should act accordingly - because they are likely to do more damage to whatever they hit than vice versa.
But pedestrians must also remember that drivers aren't psychic - if, for example, you are driving along an unlit country road, with no pavements, where you rarely come across a pedestrian, you are going to be less likely to expect to come across a pedestrian than if you are in a more built-up area, and unless everyone drives everywhere at 15mph, some accidents are going to happen.
If a pedestrian behaves in an unsafe manner, and is injured by a car whose driver is driving with due care and attention, but simply cannot stop in time to prevent the accident, should they get less compensation? That is a really difficult question - the unpopular answer would be yes. But the burden of proof, imo, is always going to be on the driver, as the person who is in control of the lethal weapon, to prove that he or she could not have prevented the accident and that the sole cause of it was the pedestrian's actions.