> This conversation is usually about how no one lets their kids play outside unsupervised anymore,
Those two show overall fear is higher, not that reasonable fear is higher.
There's so much in current society that sells fear, that I'm not surprised. FOMO for the next Musk stock promotion. Stalkers, scammers, pedophiles. Burglar alarms being sold with a subscription at 70% profit margins (Verisure here in Sweden.) I recently calculated that I'd pay about $300k-600k in fees for every actual burglary where I live. The insurance deductible is way way lower than that, and I doubt they'd actually change the outcome. Incidentally, insurance companies care about water and fire damage, not burglary. But the scary marketing video with masked men in your garage sells well...
Of course, insurance is a a whole other chapter on selling fear. Sometimes warranted, mostly not. The Freetrailer app, used to book and pay for trailers, defaults to me paying for a deductibility reduction. With a big fat warning if I remove that, that if something happens, I might be liable for up to $700!
Not to mention the economy is always just one bad quarter away from a 1929 crash.
I blame media (new and old) for the fearmongering that sells my attention on low probability outcomes.