I think we confuse using bikes for transport with using them as toys.
I use a car as a functional means of getting around and I wouldn't consider buying one that needed anything more than an annual service and very occasional home maintenance such as tyres checking and fluids being topped up.
A bike bought solely for transport in the UK ought to have similar maintenance requirements as a car. A hub gear, a full chaincase, mudguards, drum brakes and good puncture resistant tyres would more or less do it. An annual service, occasionally pumping the tyres up and maybe a turn of a barrel adjuster once every few months to compensate for brake pad wear would keep it in reasonable condition. .
The reason that so many people who have no interest in bikes beyond using them as transport are sold bikes with 'complicated' gear systems that include front and rear mechs, exposed chains, rim brakes and no mudguards is beyond me. Fashion? Retailers not pushing 'sensible' bikes?
This link isn't mine, but makes sense to me:
http://www.aviewfromthecyclepath.com/2009/01/anatomy-of-reliable-everyday-bicycle.html