> low-impact black-swan events like serial packet thiefs?
I live in Seattle. Package theft is a white swan event here. Everyone I know has had packages stolen. Most people are forced to come up with some strategy to deal with it: get things shipped to work, use Amazon lockers, get a camera on your porch and make sure to bring the package inside as soon as it shows up, etc.
You are right that materially it is a low-impact event. However, psychologically it isn't. It sucks having shit stolen from in front of your own home. It immediately undermines that "sense of trust and community" you mention. My home no longer feels like a sanctuary, and random people ambling down my street no longer feel like friendly neighbors. Any of them could be a thief scoping out porches and the evidence is clear that at least some of them are.
It is a maddeningly disempowering feeling to know that I am unable to prevent someone from stealing shit from my own property. Worse, I know the police won't do a thing about it either. I literally have video of the dude grabbing shit off my porch, but can do nothing about it.
I think it is that feeling of helplnessness that leads people to buy security systems.