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Bicycle crosses road at night

I was on the way home last night and the road that I use is dark, and there is no street lights. The time is 8:00 so it is really dark by then. There are oncoming headlights which makes visibility even more difficult and out of no-where there is a bicyclist that is crossing the road, not in a crosswalk. The person has no reflectors, and no lights or anything else that would identify him at night. I swerved to miss the person and managed to avoid him. I am a bicyclist and I understand the problems associated with bicycling. There is no bicycle lanes where this person was cycling. There wasn’t even much of a shoulder on the side of the road. The problem I have is that the guy wasn’t visible hardly at all and he crossed right in front of me at the last second. What do you think?