Aredwood: Another factor for the decline in commuter cycling since 1994 - Higher property prices and rents. This means it is less likely that you will live close enough to your workplace to easily bike to work.
If your commute takes say 1 hour each way by car. And / or involves motorways / roads with a 100Km/Hr speed limit. Biking to work is unlikely to be practical for you.
Also Hybrid and Electric cars now exist, which didn't in 1994. So assuming that you get cheap or free parking at your workplace. Fuel costs of driving to work are no longer such a big factor as previously.
Edited to add
Overseas based commentators discussing the NZ helmet laws might not be aware of the high house prices in NZ.
in general, house prices in AKL is no higher than other cities in the world. in fact they are generally cheaper than other cities.
Relative to median household income they very much are - and that's the thing which matters most in terms of affordability.
Improving, but 9th most unaffordable out of 92 (it had actually improved a bit since 2016) according to a Demographia survey.
Doubt it. Interest rates might be more important than income. And not everybody owns their homes, so percentage of renters and rental prices might also have an effect.