In the Netherlands it is different I think. It is a relatively crowded country, with a lot of bicycles. Because it is a flat country, and a relatively small country, biking is popular.
That also means that the roads and users are used to bikes, but speed-bikes are new, and people are not used to that speed, su=o you have to be attending.
Insurance is aboot 250 euro a year (all-risk) and licence-plate is one time fee by buying, most of the time integrated in the price while buying.
Here almost everything is egulated, so ebikes are to. 2 different kinds: both only work when you work to. I dont agree that it is an moped, I have to work quite hard tot ge to 40+ kmph. An norml ebaike only works with you till 25 kmph, an a speedbike to 45 kmph.