1.lights, yes.If I'm misunderstanding your position it's because you're making it very unclear. So lights should be compulsory, that's a start. Do you think lights should be used at all times, like motorcyclists tend to? How would you go about punishing cyclists who jump red lights and don't use lights? How about high-vis? Should children be allowed on busy main roads? How about cyclists who use the road when there's a concurrent cycle lane available?
You're against insurance, so you think it's ok for innocent motorists to be punished for the actions of reckless cyclists, do you not believe in personal responsibility?
2. no, that would be silly.
3. Same way we do now. Could be better enforced.
4. High viz, no. I wear one, but with decent lights, they're redundant. Like making every car painted neon or in reflective paint.
5. Yes. Blanket ban is ridiculous.
6. The law against that is a bugbear of mine. The majority of cycle lanes in my corner of the uk such donkey cock.
to give an example, here is a brief summary of my cycle to the station in two different modes
1. Bike lane
go into park, deal with slow walkers meandering across the paths, dogs and that stupid kerb on the way in.
come out of the sharp hill at the on onto the footpath that is officially a cycle path, but too narrow for people and cycles to pass
stop and wait for the traffic at the exit to the roundabout.
stop again and wait for traffic on the entrance.
get on footpath, merge with road, back on footpath, stop at next pedestrian crossing. Wait.
Cross, stop at next pedestrian crossing. Wait.
take cycle path up and around the south side of the roundabout.
Join contraflow and merge with traffic coming off previous roundabout. Stay in buslanes which are always filled with buses for next 100M.
I can do the above journey in 3 minutes going on the road. As my wife is a very nervous cyclist, I always cycle strictly in the lanes with her. It takes us 12 minutes on average to cover the same route. You can walk it in under 20.
Of course I believe in individual responsibility, however many times, the cost of strictly enforcing individual responsibilityis far higher than a little bit of collective protection.
The vast, vast majority of accidents are motorists hitting cyclists, not the other way around.