Obviously if there's room and time to swerve and avoid the pedestrian, you should, but swerving into an oncoming car? That sounds extreme. There's no way I'd risk killing myself and anyone in the oncoming vehicle to save one person who made a poor decision. In any situation where there's other traffic and off-street foot traffic, swerving might just cause more harm than good. Everything is situational, and I'm sure there are bound to be cases where there is no sensible option for avoiding a fatality because of exceedingly bad timing on the pedestrian's part.