The way I look at it is if the cyclist is riding responsibly & is wearing bright fluorescent & black gear, has lights & isn't wearing headphones, then I pass them with the utmost care & consideration!.
However, if they can't be bothered to make the effort to be as safe as possible, then why should I be bothered to give them any thought when I overtake them!
I get fed up with the, "you must look after me" brigade, who think nothing of shooting up the inside/outside, going through red lights & almost running over people on crossings without a care in the world, until suddenly they get hit by a vehicle because the driver wasn't given the slightest chance of seeing them.
The same goes for walkers who walk around country roads in such a way that they don't give a driver any chance to see them till it's to late, & horse riders Especially those who ride in a carriage at walking pace on a wide but bendy road, without the tractor style high mounted light, that gives fair warning to those people driving up behind them.
After all, if a tractor etc., has to have a yellow flashing light by law when on the public road, then why shouldn't a horse & carriage!
Phill