Are you serious? It's fine that you want to go walking around alone at night, but you really shouldn't judge other people for not doing so. Women are very vulnerable when walking around alone, and that's just the truth. Even running alone is dangerous, or living alone in an apartment. I know one woman who was attacked while running (and I've heard of plenty others), and another woman who was attacked because the person had noticed that she lived alone.
Women are, on average, not as strong as men. Some crazy people out there like to attack other people. Women have to worry about their wallets, yes, and also the fear of being raped and/or killed.
That said, I agree that a "ghetto" location isn't necessarily a bad thing. As long as you take precautions to protect yourself, it could be a good learning environment. Particularly if the school's hospitals are in similar locations, as you will get to see a lot of things you might not see in "better" locations (as to why that is true, that's another topic altogether). And I agree that it probably stems from a somewhat elitist and spoiled attitude that pre-meds have (I have it too).
Of course I probably won't practice what I preach. It is nice to have nice-looking surroundings and to feel safe. Also many schools in nice locations have affiliated hospitals in poorer or rougher neighborhoods.