There’s certainly more dangers and risk and that’s important to be mindful of, but I don’t agree that it should be limited to having to have a local or a guide.

Some more unsolicited advice to that end.

• There are some places it’s not advisable to go. Perhaps due to conflict or civil unrest.
• There’s more risk if there’s a common cultural bias against you (nationality, ethnicity, religion, gender identity, sexual preferences, etc).
• Research if and what tourist targeted crimes are common ar your destination, as well as scams.
• Affluent areas tend to be safer. And still very affordable, comparatively.
• Don’t carry a lot of valuables. Enough cash for whatever your outing is. I also recommend keeping a travel specific debit card with no international fees and keeping a small balance on it and carry that around. A low limit credit card could also work.
• Let people back home know where you are and check in. If your country has a consulate there, keep that info handy.
• Risks for being a target are higher for women because the world is awful like that.

I know that’s seems like a lot, but it really boils down to being mindful, aware, and prepared.

Edit: split out conflicts and biases and removed a mansplainy bit.

Some unsolicited advice

• Don’t trust anyone trying to make a living off of selling you anything, even something less tangible like a lifestyle.
• If you have extra income after living expenses, set a little aside for personal enjoyment and save/invest the rest. The future is uncertain.
• If you want to travel to far flung destinations and have the means to do so, consider skipping the resort experience. You’ll spend much less especially in developing countries and have a more authentic (relatively speaking), and rewarding experience.

Edit: Formatting.