Do you also expect people walking to carry liability insurance?
Actually, I don't expect them to carry any insurance at all...if they can pay out for all damages they are responsible for.
But its a good thing you brought that up.
In the province of Ontario where insurance includes "Accident Benefits", if a city bus happens to hit a pedestrian, the bus insurance pays for the pedestiran's medical bills, loss of income, etc...unless the pedestrian also happens to own a car, in which case its the pedestrian's car policy that pays out. Go figure!
But to those whiners that always have negative constructive comments (sarcasm intended), they'll whistle a different tune when something affects them personally...seen it before.