Wow, where in the city do you live and work? I lived there from 1967 to 1974. Moved out but went back to work there from 1980 to 1983. In that time I was subject to one attempted mugging (guy had a knife and I outran him). In the 80-83 period I worked at Montgomery and California and used to walk the area at lunch and was accosted almost daily by various former mental patients and homeless types. In my younger days (67 - 74) I was apparently quite attractive to homosexual men as I was approached three times in that period not to mention being subjected to whistles and catcalls (I worked near the Tenderloin and used to walk through there to Market to catch the bus). When I lived there I lived out in Ingleside (near SF State), the Haight, Filmore and Knob Hill near Grace Cathedral.
but that stuff happens in EVERY big city....I grew up in the Bay Area and worked at Charles Schwab right there on Montgomery. I have never been accosted there day or night and in fact, I've lived in San Diego for 5 years and was hit on my gay men many more times than in SF.....but you do have a point about the homeless bums who pan handle...that is disgusting.......got confirmed at Grace Cathedral..never personally saw any problems in that area.....too many tourists usually