This is basically a description of police in a nutshell. They are just ordinary civil servants, plus a gun, plus maybe a little less accountability if they mess up. People who get scared like you and me. People who are lazy like you and me. Imagine the clerk at the motor vehicle office or the secretary at the welfare office but asked to do something different today.
Do you, reader, want to have to confront a bunch of scary people for a $? Oh, you think having a gun makes it a bit less scary?
Almost no one wants to confront dangerous people day in and day out. Once in a while to flex the hero complex, maybe. But a few times of that will cure you of any particular desire to seek it out.
The people that want to do that are one in a thousand types. Basically criminals themselves, just on the right side of the law who use the 'criminal' mentality for good. Most police are not that.
They want to do a job, collect a paycheck, and do it in an easy way. Like how I like to drive to work rather than do a handstand and walk 5 miles on my hands and wrists. They get little to nothing for making their job harder.
The people with the most motivation to stop the criminal is the victim themselves. You are pretty much on your own. The state won't be coming to save you.
I think you have hit the nail on the head why more police funding, more surveillance tech, more dystopian BS that looks more like PreCrime every single day, is only going to get us so far.
I'm sure there are exceptions, but I think most folks (including criminals) believe crime is, generally speaking, bad. Folks commit crimes to survive, to enrich themselves, out of retribution, out of lapse of judgment, or lack of self control. Almost all some flavor of unmet needs. You put money into tackling those challenges, address why people are stealing, why turf wars break out, why addiction ruins lives and puts people in terrible positions, why poor nutrition and family support and mental health care lead to so many folks slipping through the cracks.
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