Anyone who thinks that passing a cyclist with anything less than the legal limit of 1.5m should go to their local train station, wait for a train to approach on a pass-through without stopping, stand between the platform edge and the yellow and put their back to the oncoming train. Only then will you get a feel for how flippin terrifying a close pass can be.
I agree that cyclists not following rules should also be brought to book but lets keep in mind the severity of the offence. Riding on an empty crossing (not condoning it btw) is very minor compared to scaring the cr@p out of a cyclist by passing too close and potentially putting them in harm's way.
And I don't believe that 99% of cyclists are as you say. As I mentioned some while back an observation driving in London last year showed that the majority of red-light runners were (in both actual number and in terms of road user %) mostly cars, vans and lorries not cyclists. I make sure I am lit up like a Christmas tree day and night and I probably hurt people's sight with the brightness of my lights but I don't care.
At the end of the day it is up to you to drive in a defensive manner and treat other road users safely. Whether the other road user is law-abiding or not, if you kill or hurt them you risk paying the price if you too were not following the rules. If a cyclist is breaking the law and gets run over he pays with his/her life. So why not just wait a couple of seconds and pass a cyclist properly? Time spent waiting to overtake a cyclist is usually taken off the time you would have spent at the next light/queue anyway