>I mean, if you go for a stroll through the roughest neighborhood in town, unarmed, by yourself, at night, and you get mugged, is it wrong to point out that going for that walk was stupid?

Yes, this is the textbook example of victim blaming. Placing any amount of blame on the person who is the victim in this situation is saying that they don't have the right to walk down a street and not be mugged. I am admittedly not the best at describing this because up until recently I had the same thought process as you. I would encourage you to find better explanations than what I can offer and be willing to have your beliefs challenged.