That's the problem with third-world countries:
People are allowed to drive a vehicle without insurance.
This would not happen in Germany
And third-world areas America does have. I won't front - my neighborhood has some great citizens (my parents' neighbor is a lawyer and they just put in a retaining wall the size of Fort Knox) but you head a mile south or so and the ghettoness starts to show. A cop was shot and killed just about one mile south of where they're at and just a few houses down from them a year ago someone was robbed at gunpoint. They've also been robbed a couple times which is why my dad started packing (that and because "liberals told him he should'nt be able to pack") . A mile north and it starts to get exponentially better. My university though was only a couple miles from my place in a somewhat ghetto area but pretty much everything else is right there in the city. Keep going west and you are in Downtown. Living in the city is a blessing and with the crime increase over particularly the last few decades a curse as well.
I would love to drive my one-gallon holding Aero that gets over 100MPG but it's just too risky with all the accidents on the big street there. Someday I might get ballsy enough but you also have to understand six months of the year there is snow and ice on the roads so that kind of undermines the whole point of the bike. IF gas hits 6, 7 or 8+ dollars a gallon that thing will be crucial though. It also will never lose its value despite it being an '84.