Car drivers potentially face consequences in terms of loss of license, and should be carrying insurance if something happens. No equivalence for cyclists and honestly the Netherlands is the least safe I've felt as a pedestrian in regards to hostile cyclists.

Cyclists that RLJ are breaking the law, and police do stop them. Admittedly they won't be caught by a camera, like a car would.

Equally if something happens (e.g. pedestrian knocked down), they're still liable; not having insurance doesn't remove that.