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Re:OBike Refund in Singapore, Australia, and Malaysia by stevesimmons on Monday July 02, 2018 @06:55PM (#17446064)
Having lived in both Melbourne and Amsterdam, the two crucial differences are in the Netherlands:

1) almost all Dutch drivers are also cyclists. They know how bikes behave, how it feels to be a cyclist around cars, and are therefore far more conscientious of bikes

2) in an accident involving a car and a bike, Dutch road laws have a high presumption that the car is at fault.

In Amsterdam, I don't worry about a car running me over. In London and Melbourne I do, and so never ride there without a helmet.

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