I don't think your examples are quite parallel to the original?
my examples were things I thought up myself about 8 wks ago, nothing to do with 'the original' (article)?

If a person goes running, and goes through a bad area, and is mugged, will she be fearful of being mugged again?
not what I asked. I said, will she go that way again (for fear of being mugged)? IMO she will not, and this is not victim mentality, it is wisdom born of experience. We even have an adage about it.: Once burned, twice shy.

If a person hires a contractor and he collects money claiming the job is done, and it isn't, (why didn't you check to see if it was done before paying him the last amount?),
because the property is in another city and a relative had said the work was done, but doesn't know anything about carpentry.

The problem with "victim mentality" that I see is associating the one, "freak" incident with all situations where that incident could, technically, happen again.
in Psych the term has a specific meaning; let's stick to that.