Yes, it's unheard of that folks can become accustomed to circumstances which most people would view as abnormal or dangerous.
I've been riding public transit almost my entire life; I started riding _by myself_ when I was 8 so I could get to and from school, back when the Bronx was much more violent.
Riding during rush hour is a very different experience than riding off-hours. While I almost never felt unsafe (gotta keep your head on a swivel), lots of women have told me how they've regularly felt unsafe. Maybe it's some dude ranting on a subway car. Maybe it's one ranting on the subway platform. Maybe it's a dude sitting WAY too close on an empty bus. Then there's the open drug use on some systems like BART.
> but it’s really not that bad,
Maybe you're just more tolerant of crime, drug use and general anti-social behavior.