When cycling through a red light, get hit by a car, the car driver is the one who is at fault

Are you sure this is correct? If so, that is some bullcrap. I ride a bicycle for most of my transportation and respect the road rules the same as cars, perhaps a bit more than they do. The only "cheating" I do is if I arrive at a traffic light that I know lasts ages, I will magically turn myself into a pedestrian to use the crosswalk and get to the other side faster. This is more of a situation of it being exceptionally hot where I live and sitting still in the sun is a miserable experience rather than me being too imapatient to wait 5 minutes.

What about joggers or people exercising? Are they going to get "pulled over" and given a ticket for moving too fast on a footpath?