Earlier quoted context omitted.
I think for most cities, locks and lights are unavoidable costs, if you want to stay safe and still have your bike be where you left it... Some would argue a helmet should be too, but experienced cyclists know better than to open that debate up! Unless you live somewhere with a great climate, foul weather clothing inevitably ends up needing bought if you intend to commute all year round by bike.
I think you underestimate how much a bike is more like an umbrella or coat to us than it is a transportation vehicle. But I do agree that in places where it's more like the latter, your comment applies. The nearest equivalent I can think of in Holland is the 'scooter' (moped?). That said, you're now making me curious to what degree this applies to other cities, even just cities that are known to be bike-friendly. In…
The style of bikes that are popular in Amsterdam and other relatively flat European cities often aren't that commonly found in many other countries in my experience - the incredibly popular in Holland 'coaster' brake design (where you stop pedaling/pedal backwards to brake) is borderline dangerous on very steep hills, but works great in flat areas, making it pretty uniquely suited to cities like Amsterdam. Similarly, you guys rarely need to bother with gears, or need so few you can use much simpler to maintain hub gear systems rather than finicky external derailleurs. I've almost never seen a new bike sold in the UK with coaster brakes, largely due to safety on hills. Similarly, it's pretty rare to see a coaster brake equipped bike in the US. I sure wouldn't want to try stopping at the bottom of a long 30% grade in San Francisco on coasters...