While this is statistically true, people don't act as if this were the case. While trusting someone with your physical safety should be a high-trust decision, we treat it cavalierly enough in our day to day lives that most people clearly don't worry about it.

Maybe it makes sense, though, because the other person in the interaction has more incentive to defect when given access to all of your possessions than when given control over you yourself. That is, you have little reason to think that the Uber driver is working at cross purposes to you, and mainly just have to take their competence on faith. With something like Homejoy, it is their character and motivation you are gambling on moreso than their competence.

I haven't heard of people abusing Homejoy to rob houses or anything, but it seems not entirely stupid that someone would worry about bad actors more than incompetent ones.