There's also risk vs reward.
A guy wearing his jewelry in broad daylight in a good part of town going to a social event is not fucking stupid (well, except for questions of taste. Men and jewelry...), and if he gets mugged we should feel sorry for him. But if he's wearing his jewelry for no good reason in a shitty part of town, well...that's kind of stupid.
Same thing with the lady in the miniskirt. If she's going out with friends to a party or a club with a lot of people in a safe area and she wants to look good? Great, please do! I'd much rather look at her in that than a parka. But if she's walking through the ghetto alone at night for no good reason, well, that's pretty stupid.
As for the celebrities, I think it really sucks what happened to them. They should have been a little more careful, but it's not like they were indiscriminately mass emailing them around. For what it's worth, Ms. Lawrence, if you're reading this (just like all the other hot young women who read Slashdot), I didn't look at your pictures or any of the other girls. I don't want to look at pictures of somebody who doesn't want me looking at their pictures.