Even in probably a top 5 city for cycling in America (SF), I weigh how poor the drivers will be along the route when choosing to drive or cycle.
In a city like San Diego, where drunk driving is a local pastime, I would never cycle.
The main safety feature for cyclists in Amsterdam, is that almost every driver is also a cyclist. They know what cyclists are going to do and how much room they need.
With mitigation infrastructure you either make it impossible for the bad thing to happen, or you greatly reduce their impact. Infrastructure doesn't have to rely on humans not screwing up, if anything it expects it.
The "no harm no foul" mentality encourages people to push the boundaries when they themselves do not bear the true costs (of being hit, vs monetary ... health loss > wealth loss)
I confronted him and his response was “Well we didn’t collide, what more could you ask for?”