It's not fear. I am not AFRAID to help. I have DECIDED that I am UNWILLING to help. I did a cost-benefit analysis and concluded that the potential cost is high and the potential benefit is zero. My give-a-damn is busted and has been for a long time.
Think about this, Jar. Someday YOU may need help. Might not be a violent crime, might be a car crash you are in, a house fire, most anything. "People just like you" just keep walkin' by like they don't even see ya.