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There is an extremely obvious answer that jumps out at me from reading the text - discrimination laws. Even if you just want to keep out the riff-raff and the poor, class-based policies like the one you're suggesting are going to be an absolute goldmine for any lawyer who knows what the phrase "disparate impact" means. A policy which keeps out members of the societal underclass is going to disproportionately impact black people, which means it is then going to have the business which upholds that policy wiped out in court if seriously challenged.
I actually disagree - there is in fact less trust. What happened is that the spread of insurance and large corporations mean that the costs of accounting for those problems that you're talking about are simply spread out and distributed across the rest of society and the rest of that corporation. They aren't trusting you or their customers - structural changes mean that there's just not really anything you could do to seriously inconvenience them. If you go into an Apple store and just wreck the entire place, destroying/stealing every single piece of tech in there, the costs of your actions aren't going to be added to the bills of people who shop there - those customers are already paying for that risk and have been for years.
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