I.e. you weren't driving a car and you were underage.
I'm not saying that the legal system in The Netherlands is unreasonable or anything, but I feel like your case doesn't really represent the kind of case people are thinking of in this thread.
Be aware though that this is not always the case. For instance if you are driving next to a playing field you are expected to watch out and brake for children who can always show up on the road and not doing so has consequences.
If you ask a person on the street why they don't exchange a quick car ride with riding a bike or walking, they may tell you that they're scared of getting hit by a car - and this is probably before getting hit by a car.
I can't really quantify the emotional stress riding bikes costs me now each, and every time a car almost hits me (which is a regular basis), but it's something I have to now live with. And I friggin' love riding bikes.
I was 16 at the time. Really shaken up about what had happened. But after collecting myself and fixing the dangling headlight I was able to drive home. I got a ticket for not giving way to the pedestrian (€45 I believe) and insurance covered everything regarding the woman. Didn't even get a letter other than one that they would take of everything.
So yes it happens here too (The Netherlands)