Christy....I'll tell you what I do...I wear a moneybelt to just about everywhere...I've worn it in Vancouver and Banff and everywhere else I go in Canada. Would you like to hear about thieves in those towns? They are there. Just not as prevalent.
Anyplace there are tourists, there are thieves.
As for the beach...I don't waste time on beaches....I travel and explore. But when I do, the beach is usually connected to my hotel so in that case, for a few hours, I'll leave my valuables in the hotel safe or I bring along a waterproof moneybelt.
No, I don't wear a moneybelt in my hometown. I have a Pacsafe wallet that has a metal chain that connects to my belt. You see, thefts occur in supermarkets, department stores, etc. etc.
It may be overkill to some, but I don't have to worry about it.