I grew up in a big city myself, but I have a second degree connection with people who grew up in the SF Tenderloin, and it looks like it did make them wary of people. I've also noticed that this is common for people who grew up in the bad parts of Oakland: they think everyone is going to scam them. Also, in my experience, people who grew up in the country are wary of people who don't look like them, and folks from diverse cities (like London) are very inclusive of people. So to me there's some sort of curve where both isolation and living in the worst part of cities leads to some sort of automatic trust loss.

I want my children to be trusting (I expect them to be scammed some number of times and survive the experience) so it does make me consider where I want to live where they can experience independence, other children, and end up secure people.