You had the wrong prediction. That doesn't mean prediction is wrong. In fact the 2 second rule is predicated on the prediction of reaction time in the case of something unexpected, which is itself predictable with a probability distribution. Things which can be reasonably expected to occur should be taken account of. That includes e.g. suddenly swerving for an exit, an unusually slow car doing a u-turn on a street, vehicles performing emergency braking when the road ahead has limited visibility, etc. And these predictions take some time to develop.

On my motorbikes, making good progress depends on good predictions, and that means predicting that people don't see me, that they make rash and impatient decisions, that tourists on rental bicycles will do stupid things without looking, etc.