The Netherlands would be the obvious case study. I'm not sure how exclusive their bike lanes are in relation to cars and pedestrians, but the bicycle is by far the fastest way to get around most Dutch towns and is the primary method of commuting to school or work for around a third of the population. Even the countryside has very polished and accessible lanes: since the country is geographically small, casually biking from a village to a major city is completely doable for many people.
All in all, I think bikeable cities are a no-brainer as long as there's competent central urban planning involved - its cheaper, faster, requires little space, and has health benefits. I personally hate biking in large cities, but I grew up in Vienna where bike lanes where mainly an afterthought and often set up in risky, high-traffic areas. From my visits to the Netherlands, it seems to be a totally different game there, since bike lanes dominate urban planning concerns more than cars.
I have a strange bourgeois paralysis towards these kinds of small money-saving schemes. I engage in similar lines of thought as you, reading store policies and thinking of how to game their system, but the idea of turning these thoughts into practice repels me - I picture my grandfather, neatly dressed, sitting at the head of his dark wood dining table, drinking his choice glass of wine as he always did, witnessing me run back and forth between my car and the co-op, filling 4 individual tote bags with single items in order to save maybe 20 euros once the whole deed is done. Even though he was a businessman I'm certain he would have found the whole concept utterly indecent and verging on con-man behaviour, not fit for someone from a good family whose material needs are met.
It's not even that I think these schemes are morally bankrupt. Saving money without sacrificing your consumer habits sounds smart and desirable. It's more the implied dishonesty (and I guess some sort of "loss of face" since I immediately think of my family's reaction to it?) and a certain shamelessness that stops me in my tracks every time.
Perhaps places like your local co-op have a large enough customer base with a similar class profile to mine (or one that doesn't even consider gaming the policy to begin with) that it doesn't matter if a very small minority do actually exploit their discount system.
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I see where you're coming from but what you're effectively asking for is the adoption of the Third World's model for traffic, where everything flows chaotically and you're just supposed to improvise your movements without a clear structure for who can circulate where. Unsurprisingly, every single country with this kind of laissez-faire traffic mentality has horrendously high accident rates.
Here in Vienna, our main shopping street was transformed into a pedestrian zone about a decade ago - initially, the plan was for large swaths of the street to have a hybrid system where both bikers and pedestrians could share the street without any dividing markers. This had to be amended very shortly after its inauguration because it made the street experience too hectic and demanding for everyone involved, especially on a shopping street where people want to leisurely stroll and window-shop, not constantly be on the lookout for bikers trying to swerve around them. For the bikers themselves, the system sucked too, since they couldnt just bike down the street in a straight line, but had to constantly change their direction to avoid pedestrians standing in their way. It was a lose-lose situation for everyone involved and the quick addition of bike lane markers on the ground largely erased the problem overnight.
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