I actually know something about this kind of exceptionalism. I grew up in a really shitty neighborhood in a state known for it's crippling alcoholism. My GF- she grew up in a very affluent suburb of Minneapolis. While she and her parents are not idiots by any means, they never had to deal with "people." They only talk to their co-workers, their church groups, the guy bagging their groceries, etc. Everyone who they ever talked to served some kind of role and familiarity. Not a single free-radical stumbling the streets Noon-Drunk asking 14 year old you for your bike.
One year they took a vacation to DC (idk why), and she was mortified that a homeless man was belligerent towards them. When I asked her what happened, she said her mother asked a man for directions, and then he stuck out his hand for cash. I think you know where this is going. Her mother gave the bum $5 and he flipped his shit because he was expecting more. Funny enough the same year my GF got one of those Indian IRS scam calls. She was falling for it hook, line, and sinker until she texted me about it while on hold with the guy.
I am 100% confident that if this couple isn't faking this shit, it's because they've never had to interact with society in a way that forced them to be confronted. Everyone in their life has some kind of role, or familiarity. Which is why when they did face the confrontation, they just paid it off without question and just accepted it. "That's their role."