I honestly applaud anyone who wants to get on a bike, especially if it's to improve their fitness.
Bike frame weight limits are only one thing to consider. Wheels and tires have weight limits too. And some bikes have a higher center of gravity than others, so weight up top would be very unstable.
I would think (hope) that anyone who is over 220lbs would consider a custom, steel frame bike that is built specifically to handle the extra weight, and not rely on what the weight limit on a website says.
Also, people have to realize that the "weight limit" of a bike can often include other things that the rider might be carrying on their bike. Cargo bikes often have several weight limits depending on what you're looking for, but even those have their limits.
Side note: this was a problem in the e-scooter world, where you'd get people who would be at the upper limit of the scooter's weight limit asking if it would be safe for them to ride. Well, the frame might support the weight if it's not in motion, but the motor likely can't push that weight for very long, and certainly not up hill.