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Nornagest comments on Summary and Lessons from "On Combat" - Less Wrong Discussion
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Unless you're in the habit of packing your own parachutes without training or taking midnight walks in downtown Detroit, avoidance may be easy but it's certainly not cheap. The middle-class habit of buying homes in the burbs instead of closer to work is perhaps the most obvious and largest-scale avoidance behavior that I can think of, and it's enormously costly in both money and time.
Nowadays that's driven more by schools than by crime, but in any case the context is relevant -- which training for dealing with danger can you offer as an alternative? :-/
I am also not sure it's costly in money -- the market reflects demand and as demand shifts so do prices. If the limited resource that you want is the one everyone wants, it's always going to be expensive.