> Are we talking about affording in time?
Mostly weather. There are very few locations where “bike every day” is a reasonable statement. Consistency is key.
That’s a matter of clothing and determination IMHO :)
But sure, I get it. Personally I can’t keep up gym habits because the boredom is just overwhelming. I find other forms of exercise easier to stick at. Each to their own.
If the people in the Netherlands can do it - where it's flat, windy, and rainy most of the time - then most people in the US can also do it. If it's too hot, go in the mornings.