I feel like this is so obvious it should slap you in the face after thinking about it for more than 5 seconds.
If you aren't getting around on a bike, you're probably taking your car instead which is +1 car on the road that wouldn't have been there otherwise. Multiply this by however many cyclists are currently using the bike lanes.
This is huge. It seems criminal for banks to charge you up to $50 when you may not even have that in your account.
34% of Canadians getting slapped with one of these fees in 2023 is bonkers. That's like $50 million in fees taken from the people who are least able to afford it.