Which in turn means only most aggressive cyclists stay on the road. In London more than half cyclists jump the red light.
It's notable how RLJing differs between cyclists and drivers. RLJing drivers will see a light turn to amber and then speed up so that they can get through the junction before the other directions can start moving. Obviously, speeding up to RLJ is very dangerous to pedestrians who might be crossing.
Equally if something happens (e.g. pedestrian knocked down), they're still liable; not having insurance doesn't remove that.