> Leading to the ever popular driving across a crosswalk (I'm not so sure who's at fault if I were to hit a bicyclist on a crosswalk, and I'd rather not find out).

It's you. If someone had left a dumpster in the cross walk it's also you. If you hit a cyclist without any lights in the dark, it's you.

You're in charge of a vehicle, unless someone jumps out at you, it's on you not to drive it into things.