The most important thing is, she initially thought Jimmy Scott was deliberately using some story about single women being harmed to scare her, but later she found out that there really have been several such cases recently.
For someone who often needs to work night shifts, that kind of news was enough to frighten her.
The neighborhood where she and Jimmy Scott lived was in a bustling district of the city, with much better security, and it wasn't uncommon to see quite a few people on the streets even at one or two in the morning.
After thinking it over several times, the risk of cohabiting with Jimmy Scott was still far less than living in a remote area.
Moreover, Jimmy Scott repeatedly emphasized that he's no longer interested in her, so she shouldn't have any concerns. If she kept refusing, it would seem like she was really overthinking things.
