Reality is thousands of white-collar workers (including me), normal locals and many tourists of all ages. Small number of homeless. But no more dangerous than any other city (and a lot safer during the day and early evening )
as a local, there was a lot of places that are "visible to foreigners but invisible to locals" -- cafes/view spots/hipster-places that only advertises to foreigners (they didn't even have signboards) I learnt about those places when some foreign friends took me there
At the beginning, absolutely. At some point though if it keeps working.. a traveler that takes many risks might be better at evaluating them than a random person they could consult. And/or part of getting there is learning to evaluate which random persons to listen to ;)