What makes the bicycles in Amsterdam suitable for riding with jeans on?
In places where there are lots of bikes, most people who are riding them are making short journeys purely for transport. For a short ride of a few kilometers, it really doesn't matter what you're wearing. Any clothes that are comfortable to wear in general will be comfortable to wear on a bike for fifteen minutes.

People who are riding longer distances, pushing harder and aiming for fitness rather than just getting from A to&nbsp;B will start to consider clothing that's more oriented towards exercising and people who are going even farther and pushing even harder will start to wear cycling-specific clothing.

I see this exact thing when I cycle at home in Oxford. If I cycle directly into town, most of the people I see on bikes are just wearing whatever clothes will be appropriate at their destination. If I take a more circuitous route around the outskirts of town before heading into the centre through an area where not many people live, I see a lot of people wearing "general exercise" clothing. If I head away from town, out into the countryside, most of the cyclists I see are wearing clothing designed specifically for cycling.