The OP has a good point.
The problem is one of perception. To me, an example would be the below:
Ordinary bloke riding home on the road when somebody, possibly elderly and infirm, steps out in front of him. There is a collision, and the elderly gentleman dies. The cyclist didn't see him in advance because the pedestrian was masked by a tree.
Let's say the guy on the bike was doing 15 mph, and was riding a couple of feet away from the kerb.
So the cyclist wasn't riding badly or recklessly.
However, there's obviously going to be a police investigation. The driver behind says the cyclists was "going like a bat out of hell". Another pedestrian who saw the whole thing says the OAP stepped into the road , but also states that the cyclist was riding "hell for leather".
The police then get a bit more interested in the cyclist, who then has to start effectively going on the defensive.
We know full well that 15mph is not exactly tanking along, but those who are looking into it and investigating it are more often than not, not regular cyclists. I've had people I know who've passed me and said "I saw you earlier, you weren't half hammering along!". Usually when I was probably doing about 12mph. When I say I've done over 40mph on the road bike, they look at me agog.
You'd like to think that after a bit of digging, it would be put down to a sad accident.
But I'm not sure I have that much faith in the system, because to me it has form from personal experience.
Many years ago I was involved in an accident in a car in which I was the innocent party. Totally.
This didn't stop me being charged with a driving offence though, because the other party lied so much, and the police fell for her lies hook, line and sinker.
When the case came up, I thrashed her in court, and was shown to be entirely innocent. One magistrate even said they were considering charges of perjury against her. (Never happened though...)
But the point was I was put through the mill.
So my faith in the system was shaken. The police couldn't weed out the bobbar, and I ended up with the hassle.