Where am I supposed to ride?

I was riding my red bicycle to work today and as I aimed to cross onto the bike path in Forest Park I had to navigate around a woman who had stopped her car in front of the handicap/ bicycle ramp. She was, of course, not going to make that free right onto Skinker at 7 am, and, since there was no damage to her car's rear-end I can assume that she wasn't pushed into the crosswalk and in front of the ramp. So why was she there? I can dimly recall something from driver's ed. About having to stop with ones bumper behind the white line of the crosswalk or the stop here line. Were I to ride my bicycle down the street, occupying my legally entitled lane, I am sure the woman would be very non-plussed about my moving at a sedate 20 mph and not the posted 35. So why would she make it difficult for me to access the bike path? I'd blame my early morning confusion on the lack of coffee... But its 5 and I am still confused.