I honestly think by watching them and keeping them safe they will never have to deal with something like that at least not until they are grown and by then they will have the mental and physical means to deal with things. I know that is how it has been for me.
So I guess that would be my question for you: What are you actively doing in order to teach them how to be safe in this world? What skills are you actively teaching them so that when they grow up they have "common sense" and "street smarts"? If you aren't doing anything, and just being over-vigilant, how can you change that?