The reality is that many people in North American live far from their workplaces and some of us live in areas of extreme cold. This is where 15m of exposed skin can result in frostbite. We bundle up, but by cycling we’ve turned the commute into an unnecessarily dangerous adventure.
The same applies to cities further south: a non trivial amount of days are extremely hot and you’re risking heat strokes.
Edit: don’t get me wrong. Bike infrastructure is awesome and I wish there were less cars on the roads, etc. We just have very different variables to play with so we need to come up with different distributions of mass transit vs personal transportation. Comfort is important!