The perception of Somalia is skewed heavily by western news for the simple reason that the Somali people rebuffed the attempted invasion by US & UK proxy forces. (Guessing you most Americans don’t know that even happened.)
Somaliland isn't somewhere I would want to live, but I would pick it over the Bay Area. With an arrangement with the tribal elders, one would be safe, and property crimes like this would be dealt with by a judge. Unlike in SF.
There's a GDP per capita of ~250 bucks, the 4th lowest in the world. Even if you lived in some western enclave of Mogadishu, your quality of life would be so much lower that it's incomprehensible. You think the poop in the streets in the Bay Area is annoying? In Somalia 1/3 of people have to defecate in the open. 50% of people don't have access to a basic water supply. The government is still trying to contain Al-Shabab--bombings and skirmishes still happen. As a westerner, especially if you're white, you'd live in constant risk of being kidnapped for ransom.
I don't like the bay area either, but at least keep the criticism tethered to reality. Somalia isn't Syria or Venezuela, you probably wouldn't be murdered but it would be a very dangerous situation.
It's easy to underestimate just how powerful that image is in shaping perceptions, and rightfully so: a lot of violence has been done to us citizens by thugs and pirates using the the lawlessness in Somalia as cover.
Eventually, this led to violent clashes where Somali fishermen would take over ships in the area illegally for ransom. This quickly became the piracy industry as we know it.
[0]https://en.wikipedia.org/wiki/List_of_cities_by_murder_rate
Property crime, on the other hand, affects a much broader swath of the population.
In St. Louis and Baltimore it's crime inside the ghetto - very violent.
In SF it's homeless, semi-homeless and jerks stealing from the upper middle class who have an odd view on community and crime.
It's not Somalia, but there's always the potential for escalation to violence on the street, in stores and near ATMs - I've seen it.
I wouldn't allow any of my family to walk alone anywhere.