That seems rather limiting. Here in Copenhagen, I don't know any GB/AU/NZ/etc people who can ride a bike but choose not to. I cycled from the airport to the city centre on my first day here...
It perhaps helps that I'm from SE England, so about once a year my dad would drive the car to (or through) France without a fuss.
Helsinki looks very green, I must plan a visit.
I'm exaggerating a little, but I know that the few times I've borrowed a bike from a friend to ride along a cycle-path my instictive reaction is always to turn the wrong way when going round corners/junctions/cross-roads.
Throw cars, trams, and buses into the mix? Well I think I'd have to be concentrating more than usual which makes me a little less keen. No doubt I'll relax over time.
That's the way it works in Helsinki. In the summer docks appear, stocked with bicycles. If you look on the local transport-company website you can see a realtime map of the trams, busses, and the number of bikes available at each dock-site.
For example on the following map you can see the number of bikes available near my house:
https://www.reittiopas.fi/pysakit/HSL:1160404
It costs €25/month to be a member, and then you can ride any bike in the city for free for 30 minutes. After that you pay, or park your bike and take another.
I've never used them, because I grew up cycling on the other side of the road and I'm a little too nerveous to cycle here, but I suspect that fear will fade in a few more years.