Comment by hosh

It may have more to do with deeper, more static personal relationships within a community in rural settings. In urban settings, folks generally don’t know their neighbors, can hide in numbers, have to be more assertive with strangers and acquaintances, and can get away to a fresh start if they wreck their reputation.

I think ask vs guess is a good start, but looking at my experience and looking at what people are talking about here, there is at least one more dimension at play here.