Hypothetical law change? Lorry on bike: lorry's fault. Bike on ped: bike's fault

I put a section in bold, so if a cyclist breaks the highway code and has a collision as the innocent party is still expected to suffer a loss?

also how does the cyclist pay?

Yes, because the potential to cause harm is far greater with the driver the greater responsibility rests with them. We already have a kind of assumed liability with rear-end vehicle collisions, almost invariably the following driver is assumed to be at fault.

I don't understand the question about paying, the cyclist pays like anyone else pays. Third party insurances comes with most household policies and membership of the CTC or LCC includes 3rd party liability insurance.