I am pointing out that it is prudent to consider the risks, rewards, and potential for catastrophe when making a decision. Having done so, you make your own call. If you think the balance tips in favour of trying to recover the laptop, that is your opinion and I do not argue with your conclusion. But there is no "culture of fear" involved, there is simply a decision that differs from your own.
Now if you want to condone the idea of psycho-analyzing strangers based on their HN posts, I would encourage you to ask whether people who set out to recover the laptop are thinking strictly about the utility of the laptop, or whether they have an emotional desire to one-up the thieves or perhaps show the police up as inept.
Or maybe... And I encourage you to spend some quality time with a mirror while thinking about this... Maybe there is an emotional desire by some people to prove that they not afraid. This latter emotion is particularly dangerous. Ironically, it is often motivated by fear of being cowardly.
(And yes, the point is NOT to be taken seriously. I am not Dr. Phil!)