I've never seen any situation even remotely insecure in the years I have been taking the train regularly, either in Europe or in Asia.
Unless you conflate 'urban' train (like subways) with long distance train ? But in this case it seems like an unfair comparison : I cannot take the plane to go to work.
I do wonder how the railways justify that even people who are paying first class tickets (which are really expensive) only have, at most, a single attendent for possibly 50 passengers. First class on the airplane and you might have a ratio of 1 to 10.
In Germany, they always seem to have at least two Ticket Collectors so the chance of not having your ticket checked is very low. On many services in the UK, you could get away without a ticket travelling later in the evening when many ticket barriers are left open.