Virtually everyone in Amsterdam rides ancient one-speed "city" bikes. Anything else would get stolen in five minutes flat (and you only really need one speed anyway, since the city's flat). Tram tracks are a hazard for pretty much all of them.
Unless you're too drunk to learn.
Nevertheless, I grew up in a city with trams and never had an encounter with tracks in that way. Maybe roads, cycleways, and tram tracks are better separated than in Amsterdam. Off the top of my head I cannot think of a place where I could accidentally ride a bike along the tram tracks; it's either far away from them or crossing them, neither of which is dangerous. Of course, cars are still a problem, especially with cycleways that are part of the road and not separated in any way.