I had an unreported crash on 4th just south of University a couple of months ago. I have decades of experience riding on the street with tens of thousands of miles under my belt. I am very aware of the street car tracks and the need to cross at an oblique angle. Even so, stuff happens. In my case, a city truck merged out from the curb right in front of me causing me to swerve. The tracks meander across 4th at the location due to the curve of the tracks for the turn from University. The combination of circumstances caught me in a bad position. I might have muscled my way across the tracks, but the bike I was riding had an old fashioned threaded headset stem, so it twisted in the fork and my wheel could not turn out of the slot to get over the tracks. Splat, I went. Now I know why mountain bikes have threadless headsets and sturdy clamps on the stems.
The point is that there are likely many crashes like mine that go unreported and involve an experienced and aware cyclist. In my mind, it is naive to think that the hazard caused by the tracks can be dismissed so easily by some - usually someone that is not experienced with the multiple hazards of the road that cyclists face. I'm sure that some think the problem can be addressed by education and a few safety tips. Sure, that is helpful, but the issue is not that simple.