At the point when the government is making a reasonable effort towards your safety too. Drivers are responsible for their safety and cars have safety regulations. These are complementary, not contradictory. Without safety regulations, "drivers are responsible for their own safety" rings hollow.
At the same time one should not attempt to rent a bike if you are too inept of a rider to avoid common obstacles like curbs, sewer grates, or potholes. I rode a bike for a long time. You should not go faster than your ability to recognize and avoid stationary obstacles. That is a minimum responsibility of a bike rider I would say.