Jim, you apparantly like to tell other people what to drive, what to eat, how to live, and it's logical you'd carry that over to whether they are safe or not. Keep in mind that everyone isn't in Jim's small, small, world.
I'm sure you buy insurance for your car, your house, your life, just in case. I know I do and I go a step or two further with my just in case.
Maybe you remember me posting on this topic last winter, just before Christmas where I mentioned that our receptionist had a home invasion in Tukwila and was held at gunpoint. Not everyone is a nice guy outside of Jim's world.