To write a story about New York that only deals with people in your age and socioeconomic bracket that feels dishonest to me. So much of New York comes from everyone bumping into each other.
Accept that all of us can be hurt that all of us can and surely will at times fail. Other vulnerabilities like being embarrassed or risking love can be terrifying too. I think we should follow a simple rule: if we can take the worst take the risk.