Re: stealth cyclists
I wouldn't have thought they'd bother anyone for long - being only milliseconds from death, their numbers must be decreasing pretty rapidly. I mean, they're no more visible than not-particularly-visible pedestrians, and if they dared venture out on the roads there'd be a bloodbath.
I like your pure Darwinistic view of the world. Of course, the insurance may look at this differently (and so would the stealth cyclist) but as a long term problem solving strategy it's flawless.