Yeah, and keep in mind most of those houses where merchant houses where trade happened at the time so there probably was a lot of loading and unloading going on everywhere.
Although, given the current-day Dutch attitude to bike helmets I wouldn't be surprised if our ancestors were just being stubborn too, haha.
Most likely the latter. Thousands of bikes, a hundred people, and more than thirty cars fall in to Amsterdam canals each year. "What to do if your car falls in the water" is part of driver's ed.
When learning kayaking you have to practice a water escape, I wish there was something similar for driver's ed in the Netherlands. Thinking about it is terrifying.