> City living means we don't know what the other person on the road is thinking. This was not the case in...

I'd explain it this way: City living means that we don't know the other person, and they don't know us. The affects both driver behavior - 99% of people are more careful driving around pedestrians and other drivers who they know - and our perception of driver risks. "Chris who's always lived at 3rd and Cherry" is not some random stranger, to easily stereotype as a threat. Even if we know that Chris is not a good driver. Because humans are biased to judge members of "their" social group by very different standards than non-members.