Of course no tram, cyclist or car would ever be able to match the speed of light in a vacuum - 300 million metres per second. Einstein established this as the unbreakable upper speed limit for any object. The key word here is 'vacuum' - a total absence of impeding matter.
Matter interacts with light in various ways, by absorbing it, scattering it, and slowing it down.
The refraction or 'bending' of beams of light through water, glass lenses or prisms is a side-effect of the retardation of light through these transparent media. However, normal refraction cannot do much more than halve the speed at which light travels in empty space. There is a limit to refraction imposed by the nature of the refractive medium itself. Because refraction slows light down, there is a greater opportunity for the medium to absorb the light as it passes. The effect is that materials that would otherwise slow the passage of light to any great extent become opaque, stopping it altogether.