I agree with this:
When traveling those simple little things that can go wrong at home carry more complicated consequences abroad. Like trying to replace a cell phone for instance; so a little extra care is necessary. Same with health issues (like being mugged in Naples). So its not really an issue of comparison to the US, rather a understanding of consequences relative to if it happened in the U.S. In a strange sort of way, that makes Naples more "dangerous" than Boston.
I'm not American, but I don't think it's because Americans are more focused on wealth--that's a stereotype. Just as when people say they don't use anti-theft bags or money belts at home, so why would they do so in Europe, when the locals don't? Well, losing property can be much more of a hassle when one is far from home. I would definitely not want to waste my precious travel time trying to replace my passport, for instance.
I kind of find the opposite with many tourists, though. You often hear the "I felt perfectly safe," but that may be because they are naive and in holiday mode and aren't thinking in those terms. Then, if something happens (including theft), they are surprised and outraged, and often go on to give bad reviews. LOL.
On our recent trip to Mexico, we stayed in small places rather than the big all-inclusives that most people we know prefer. We travelled by bus and went twice to a beach mostly frequented by locals. We went to grocery stores and local convenience stores. We never "felt" unsafe for a moment, although we've been asked about that many times. Mind you, we were travelling in an area known to be relatively "safe" in Mexico, and we did take some precautions, like not bringing or wearing our Apple watches, and bringing an older camera, but I'm not convinced that was even necessary. Does that mean nothing bad happens to tourists in the Yucatan, just because I "felt" safe? No. I know that a couple of tourists were killed by gunfire in Tulum not that long ago. They weren't the intended victims, but they were at the wrong place at the wrong time. So, I was aware and took what I considered to be sensible precautions, but I still did what I wanted to do.
A number of years ago, my family travelled to Montreal, and we had rented an apartment in the "gay village" there. The taxi driver who transported us from the airport was concerned. He said it wasn't a good area, and that we should be staying on the west side, instead. He actually pleaded with us to let him take us somewhere else. When we arrived at our rental, I noticed that there was a youth shelter across the street, and there were three young people sitting on the steps leading up to "our" building, smoking weed. I walked up the steps to the door, and as I passed the young people, I said, "Bonjour," and they greeted me back. Once I had determined it was the right place and gained entry, we all brought our suitcases in. The taxi driver insisted on waiting until we were all inside before he left. I admit, I was on edge because of his warning and behaviour. As we passed the young people with our luggage, they got up to move out of our way, and said, "Have a good visit." And we did. Once I got over my initial uneasiness due to the driver, I never "felt unsafe."
I taught adult upgrading for years. I taught people who had been in jail, who had been homeless, and who had been involved in the sex trade. So, I'm not so naive that I don't take precautions, or that I don't prefer to stay in areas that don't have a lot of "street" goings on, but I don't necessarily feel in danger in areas frequented by those people, depending on the time of day and how many other people are around. But I don't let my brain go into "holiday" mode, thinking everything is safe and beautiful in new places, either. I take precautions, and I take more precautions than I do at home, because I'm aware that losing property or being hospitalized would be a lot more complicated than it would be at home.