Sounds like they have been burned by social/urban encounters in the past.
Maybe they play non-nuanced dungeon crawling without as much reservations.
I remember my time in the RPGA. After the third adventure that started with "your going shopping, plan spells accordingly, armor and weapons too" that ended up facing a greater demon or undead monstrosity, Any time afterwards from that point folward, anytime we went shopping my mage memorized the most destructive spells in his arsenal.
DM's tried to complain, but you cant argue against "last time I went shopping I ended up facing a greater demon" logic. Hell one DM agreed with it when explained.
Past instances can cause current issues.