I must be the exception, because I do not know well anyone who would wilfully and purposefully go well in excess of a speed limit, regardless of the road and traffic conditions. Driver or cyclist, none of my friends or family are that idiotic. I am aware of colleagues that have been reckless, but those people I do not generally associate myself with, especially outside a professional environment.
I cycle as sensibly as possible, and I think the majority of people do. Well, those who take it even slightly seriously at least. Although even there, there are exceptions. Too often I see GCN productions which (intentionally or not) promote silly cycling. Don't get me wrong, a lot of their productions are really good, but promoting dangerous cycling in busy cities like London is really not clever.
I would agree though on the point of a lot of people being put off by cycling on roads. It was great during the pandemic, such empty roads were wonderful, but now society has gone back to its pre-pandemic careless ways (let's not go there, I will be here until tonight debating that and I'd have to miss a shift at work for it!) the roads are full of careless driving again. I would absolutely say that sort of thing is what puts people off, not what some cyclists choose to wear and how they ride.
I don't think we're all ever going to agree on this issue! Before I head off to get ready for work, a thought on insurance. I've had a cycle insurance policy for absolutely ages, I genuinely can't remember how long. The pandemic was still going on in full swing, so it's been a while. It costs me less than £5 per month, and I must actually get on and add my Carrera to said policy soon. So I don't personally think cycle insurance would be a big off-putter for many people, perhaps families with lots of children but that isn't the majority of people. My insurance is less than £4.36 (I think it's even gone down to £4.01 now), which in the grand scheme of things is not much different to the price of one takeaway coffee these days. Depending on what coffee you get and where of course, more than one takeaway coffee if you only get filter coffee from Pret for example. Even so, it's not much at all, so I don't understand why it's a big deal.