Because I don't live where you live. And no, I'm not rich. I live with my parents and brother, our house is only paid for because my parents are in their 70s and though we have no mortgage, we do have bills and taxes and we pay in a low income tax bracket because we are actually in that bracket instead of fucking lawyer loophole bullshit.
My parent's house was paid for by selling our old house. They bought their old house 25 years earlier. That house had a 25 year mortgage. I get it, that's more fortunate than most. That's why I'm saying "If you weren't that lucky, I will defend you" and not "just ask for an interest-free million dollar loan". It's also far less common in the US to have a paid-for home in a safe neighbourhood.
Danger from police is always possible, I am wary of them. All I know is, I can't always trust my emotions and all it would take to destroy me is one corrupt cop, so I damn well know that I'm satisfied with the fact that the RCMP don't get to self-investigate corruption.
There's a reason TV isn't 100% accurate, but I'll give you a take. Lazy? Sometimes. Also underfunded. We are a country with a land area a little bit bigger than yours (assuming you're an American) with a population of 10% that of the US. They're spread very thin, sometimes a crime happens and it's not serious enough to solve because you'd need DNA evidence and it's petty theft (or, far worse, something like embezzlement).
Incompetent? Not that I've encountered, but I won't discount it. That can never be discounted, no one is perfect.
Instead I propose their weakness is trust in legislation and especially political leadership. Bill C-11, the internet censorship bill, scares me. I am not stupid enough to think the RCMP couldn't become an authoritarian nightmare at the behest of a corrupt government or puppet leaders.