Horse passing etiquette?

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Having been around horses most of my life and having a wife who is a horse rider, I think in general in North America there is the issue where both sides see the other as not getting “it”. To me it is two sided, the rider should not take a horse on a multi use trail if they are not confident in the horse being under control, then on the other hand the bike rider should understand the the proper way to approach and pass a horse. It take both sides for this to not go bad. Coming upon a horse and rider from behind does take consideration. The rider of the horse may not be aware and that takes the time to say something in a tone that is not startling. Then slowing down to allow the horse and rider to do what they need to before passing. In some cases the rider and horse will just stop, others the rider may turn the horse to see the approaching rider, and in a case of a bomb proof horse they may just say pass. It just takes the time to be courteous for this interaction to be good for all involved.