I think you may have misunderstood Suttons law.
In short Willie Sutton robbed a banks and when asked why he replied "that is where the money is at"
If you live in an affluent area guess what, that is in fact where the money is.
Should I spend the money on insurance for the 1 in 10,000,000,000 chance that I get it? No
So you don't have health insurance or you have a version that does not cover cancer?
$350 (about the cost of a decent handgun) at the front end of a 30 year mortgage at a 3% rate will save you almost $529.00 in interest on the life of the loan.
So over the course of 30 years the safety of your family is worth less than $179? That is only 6 dollars a year rounded up.