I have had this happen to me-too many times-when on my bike. People just step out into the road without looking. I say to them, "What if I had been a car?" and then they yell at ME. 
This is a basic thing every mom and dad should teach their children. Always look both ways, and keep looking. 
You are absolutely right about the horns and bells, and good brakes. They are not always watching for us, so we have to watch out for them.