No, people who have tried SL and left unimpressed are making an judgement informed by their experience. To say that they had little clue about what goes on there simply means that Linden and the cabal of initiates in the know have done a piss poor job in exposing "what goes on there" in a simple, attractive and easy to use fashion.
The rest of your post was interesting - I hadn't thought of SL's possible uses by the disabled community.
[snip] only idiots commit crimes in front of cameras.Obviously, another question is how many crimes simply moved to areas without cameras.
How about... If I'm going to commit a crime in the area covered by cameras I'll just wear a baseball cap
"Irrationality is the square root of all evil" -- Douglas Hofstadter