If you live in the suburbs, you need a car. If you live in the city, you need money to avoid living in a dangerous neighborhood. In effect, you literally have to pay to stay out of neighborhoods with high crime rates.
Then again, I have a suburban sensibility when it comes to what constitutes a neighborhood with high crime rates. Plenty of people don’t have a problem living in places that I would avoid. Perhaps my sense of privilege keeps me out.
For now, I live a relatively cloistered, Victorian lifestyle. Hm.