Essentially, you are falling forward instead of to the side. The top of the bike tires fall forward, going down to the ground, as your weight pushes them that way. But since they are designed to roll, you just keep going. And as they roll, it’s very easy to make tiny adjustments to their direction to keep them rolling straight instead of to the side, by steering and shifting your weight. Those adjustments can happen fast enough and are small enough so that the wheel stays straight up and continues to fall forward instead of to the side. As you slow down close to a stop, though, you desperately try to steer to stay up but the wheel is going so slowly that it can’t react fast enough and you wobble more and more.
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