The "risk takers" who "cross on their own terms" can be equally judged as "gamblers" who gamble with their life. I mean this whole analogy given by article poster is pointless first of all. And then comparing SFers with New Yorkers based on their road crossing habits is even more pointless. In developing countries (like India), where in most cities/towns there is no designated zebra stripe crossing (and definitely no push button pedestrian crossing signals), every one crosses at their own terms, some times dodging medium sized vehicles, giving respect to large vehicles and stopping smaller vehicles(bicycles, bikes etc) by waving their hand as they cross over. From the street hawkers to the bankers, from a school going teen to the old man with walking stick, every one does that. How does that give you any insight into the psyche of a person !! Or the psyche of a geographical region? New Yorkers cross on their terms more often possibly because there's just more people, lot of whom are in rush and "crowd learns soon from the behavior of few"
Trying to glean any meaning from such behavior is a futile exercise.