Creating the fictional background for a game world isn't significantly different from creating a background for fiction.
Security is mostly a superstition. It does not exist in nature, nor do the children of men as a whole experience it. Avoiding danger is no safer in the long run than outright exposure. Life is either a daring adventure, or nothing.
I love my city and I feel like the majority of the people that are in the city are people from other cities. So I think that L.A. sometimes might get a bad rap because it's known to be so Hollywood-oriented and then underneath that you have crime. But that's really the case in pretty much any major