People really don't care. It's not so much a callous -- "I could see this guy die in front of me without batting an eye." It's more that all the stuff you mentioned: injuries, an incident being your fault, court dates, etc. legitimately never enters their head. They do not picture that someone might be on a bicycle in their blind spot until someone is.

I think it probably changes when people have children, because they can imagine their child being hit, which helps to make that connection. For most drivers without children, yes really, they do not think of that stuff.