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Moped going 20+kph are regulated need registration and can't ride on sidewalk, there are ebikes weighting more than moped and going faster.

Because bikes go the wrong way up one way streets, ride on sidewalks, don't use lights at night and run red lights whenever they feel like it. Think Brownian motion. If there are a lot of them (and there are in New York City) the odds of getting hit by one if you're not super duper careful is high. Worse if you are older and don't see so good or move so fast.

> Why is a bike going 20kph suddenly a problem?

because the bike can and will use the sidewalk if there's not bike lane.