DEAR HARRIETTE: I live in New York City, and the other day, I saw someone’s phone get stolen, and I didn’t do anything to help. I felt bad, but ultimately, I didn’t want to get hurt or have anything stolen from me in the process. I’m a little bit older, a woman and not in the best shape, so I froze in the moment and told myself it was safer to stay out of it. It happened quickly;...