Not everyone is blessed to live in or work in nice neighborhoods.
Cincinnat has some of the best teaching hospitals anywhere, but to get to any of them, you have to go through the worst, most dangerous parts of the city. Most people would choose not to to go to the hospital if it wasn't necessary but sometimes it can't be avoided.
The Bible say's that all men have a Free Will. The guidelines to the exercise of that Free Will are the 10 commandments, summarized by Jesus as two: Love God and love your neighbor as yourself. You can't love your neighbor if you don't love yourself. If you don't defend your own life or the life of others and prevent others from doing so, then you love neither God, or others.
One wrong turn on a recent trip from my home to my sister's home put me on city streets in one of the highest crime areas of Kalifornia. A similar incident happened to a family traveling in southern Kalifornia and resulted in death for family members.
Another family in Kalifornia suffered the deaths of several children in their home at the hands of a maniac with a pitchfork.
Most prudent people that I know own fire extinguishers but have little expectation that their home will burn down.