1) get a car, you cheapskates and join the traffic jams like the rest of us ;P
2) try and obey rules of the road - overtaking on the inside? creeping up the inside at lights and then slowing everybody down as they have jumped to the front of the queue and create an obstruction to the smooth flow of traffic pulling away from the lights.
3) Lights? I nearly took somebody out on an unlit section of the A19 at 10:30pm a couple of weeks ago. Zero lights or visibility gear. It was only the reflectors in the back of the pedals that stopped him getting a shunt...but it would've been my fault of course.
4) Insurance for damage to persons and property? cause an accident or bump into a vehicle? No insurance? Driver ends up bearing the insurance costs....
[lights blue touchpaper and steps back to enjoy the show!]
PS: I know most of you are not like this and are probably also vehicle drivers too, but it does grate a little!