That’s part of it, but not the major reason. Most don’t intervene because the crackhead is unpredictable and has far less to lose than anyone who will step in. A meth fiend will shank you because it amuses them. Or because they think you are Bigfoot.
They are manic stabby dream crack fiend. And a stab or two is all it takes to really ruin you life. Hence, it doesn’t pay to intervene for most.