A chainsaw does not introduce an opportunity for thousands of remote criminals to steal money from your bank account.
Exactly!
People living in "bad neighborhoods" have to spend more energy and money on locks, fences, security cameras, self-policing as to not go out alone after dark, etc.
Problem is, Internet (and international phone system, to a lesser degree) makes everything so much closer, that scammers from half-way around the globe are "local" for all intents as purposes. Thus, online, every neighborhood is a "bad neighborhood".
This is like the exaggerated crime coverage on the local news.
I've lived in the so-called "bad internet neighborhood" for 30 years, and I'm fine. It's not so bad.