I mostly browsed through the comments and didn't read through everything, but to those who say they will never bike, I say TRY IT. Everything is worth trying once.
Long ago, when I first met MMM he was a big biking enthusiast. I didn't even own a bike. I lived in a big city (Ottawa). Somehow, I never once even thought that biking might not be safe. I had a lot of excuses, but that wasn't one of them. Then I started doing it. I remember throwing my bike on the ground in frustration, I remember huffing and puffing up hills and feeling really out of shape, I remember having to turn around on a bike ride with friends at the 10km mark because I just couldn't keep up or do it anymore. I once flipped over my handlebars on a hill because I had no idea how to go downhill. I remember some difficulties at the beginning, but now it is all pure, complete joy. I would MUCH RATHER ride my bike than drive almost all the time. I'd rather ride my bike than walk because it is way faster. I just love biking now and about 10 years ago, I didn't even own a bike and hadn't ridden since I was a kid.
All I can say is that I tried it. I persevered through hard times (well, they weren't really that hard). Yeah, I had MMM with me and encouraging me (and occasionally laughing at me), but it was a great experience. Maybe some people enjoy trying new things (like me) and others don't? I don't know...
I'm a small 105 lb woman and I feel comfortable biking nearly anywhere. I know there are sketchy neighborhoods around that I probably wouldn't want to bike through (although I'd much rather quickly bike past than walk!), but if I lived there, I would seriously think about moving. I feel confident in my biking abilities, which probably has a lot to do with it.
There is also this great concept of taking public transportation AND biking. Or biking AND walking. You can get off your bike and walk on the sidewalk for areas you are worried about. You can also bike to a bus/train station, then take public transit. If you're lucky, they might even let you bring your bike with you.
Biking is awesome. Try it for a while and you'll be a convert soon enough. :)