Not all are in high crime areas- the person I know in TX doesn't live in a crime area (fairly nice from what I understand), same in OK. But it does seem like MANY are in high crime areas because the landlords need/want "easy" money without realizing the realities of keeping up the property to code (and many don't either.
Apartment living I can live with or condo; its the income I worry about. I don't think I ever will own a home- never did because I moved around so much in the last 10 years and my income fluctuated a lot. Maybe will inherit this or my aunt's house but I'm betting they all will live well into their 90s lol.