Sorry if it came across that way, wasn't my intent.

I live in the city, and travel through all parts -- including the less desirable parts. I ride down Market every day. I go to the central library at Civic Center. I do bike loops through Candlestick. I frequent bars in the Tenderloin.

So no, it's not just because I can avoid "crime-ridden areas". It's because I don't find those areas fundamentally unsafe.