The digital world offers many things that don't apply in the physical world in most cases which make it more likely that a criminal will both (a) target you and (b) succeed:
- A high degree of anonymity
- Difficulty of law enforcement to catch you
- Ambiguity of the law surrounding your actions
- Nearly unlimited ability to try, with very little chance of being "caught in the act"
- Very few repercussions even if you are caught (how often do you see foreign hackers, whom we have caught, get extradited to face a trial?)
- The ability to commit the crime from a remote location
- The ability to commit the crime without the victim being aware, for example by making a copy of a hacked database but leaving everything intact, so that nobody will know until you're ready to steal as much information or money as you like
- Large number of easy targets, all within reach (since you can attack from anywhere at any time)
- Economics of scale (it's just as easy to hack 10,000 accounts as it is to hack 1 account; it's a lot harder to break into 10,000 houses than it is to break into 1 house)
- Ease of entry/availability of tools to get started with crime. I don't think there is a "script kiddie" equivalent for traditional bank robbery. But just about anybody could download tools to steal money from an online bank site using poor security practices.
Also, I'm not sure if you've fully considered your metaphors between digital and physical worlds.
It's easy enough to break/pick a standard house lock. But would you be happy if the only protection your bank had, or the money in your 401K, was a standard house lock?
In some countries, anyone can have a gun, yet most people are not scared of getting shot on a day-to-day basis. So why be afraid if anyone can have strong cryptography?