This really makes me feel sorry for people who live in countries that do not encourage cycling.
I was born and raised in The Netherlands. Every Dutch friend and family member of mine learnt cycling as a small child. Many of them still cycle daily without a helmet, special clothing, or whatever. I cannot remember anyone having a serious accident. Two persons I know broke their arms, but in both cases there was no car involved (icy roads).
The difference? We have bicycle lanes. Many of them. They are often separated from the main roads. When there are lights, there are often separate bicycle lights. Besides that, laws are highly in favor of pedestrians and cyclers. For instance, a car driver is always responsible for paying 100% of damages of children under 14 and 50% of damages of those over 14. So, if a 40 year old cyclist is hit by a car, and 75% responsible for the accident and the car driver 25% responsible, the car driver still pays 50% of the damages of the cyclist. One of the results is that drivers of motorized vehicles tend to be more careful.
tl;dr: ask your government to make more cycling lanes and pass laws that favor pedestrians and cyclists.