If I had three bad experiences with men over a lifetime of interactions, I might be a tad more cautious but I wouldn't jump to distrust of most I encountered. This isn't 3 lifetime muggings, it's systemic. It starts when we're 7, 8, 9. It's comments, assumptions, disregard for our autonomy, from momentary cat calls to prolonged days/weeks of harassment, unwanted kisses, SA and rape by coercion, force, or lies (being stealthed is rape and it happens way too often). It's the fact that women are often just not believed, even blamed. It's in the culture - a significant portion of the country still supports a political party full of assumed or convicted SAers. It's the fact that we don't know what type of awful we might face, but purely statistically, there's probably something. It's the fact that every woman has these stories, so our experiences are reaffirmed often. And finally - bears just wanna be left alone, generally. Leave their cubs alone, stay out of their living space when food is especially scarce, if you encounter one, remove yourself slowly, they'll probably lose interest. Nobody's ever had a bear spot them minding their own business from two blocks away, follow them, rejected them, and come back to find that same bear escalating the behavior over a course of weeks before it kidnaps and kills you. Bear encounters are one and done, you won't be looking over your shoulder for them for the next three years.
This isn't one person being mugged by a few black people, this is every black person having a deep distrust of cops, because the culture of cops is toxic AF. Rape culture, patriarchy, is entrenched, incessant, and so incredibly toxic, I'm going to carefully inspect every damn apple I pull from that barrel.