From the earliest days of Dungeons & Dragons, there have been townsfolk in need of heroic rescue.
From an adventure design standpoint, their presence and relative weakness force the heroes into the spotlight; since the townsfolk cannot help themselves, only the valiant heroes can save the day and, since the game is about players being heroes, players jump at the chance to get into character and the game when the townsfolk are in danger.
But townsfolk being in need of rescue also sets an expectation in players’ minds that townsfolk are weak, since these country bumpkins apparently can’t fend for themselves. Thus, in the best of cases, heroes look upon townsfolk as defenseless sheep; in the worst of cases, they bully or otherwise take advantage of the townsfolk, based upon their relative weakness. But should townsfolk be so weak?
That question must be answered in a balanced way. After all, the player characters are supposed to be the heroes, and making them weaker than the village scribe detracts from the fun considerably. But at the same time, townsfolk – especially in frontier areas – have probably had more combat experience than many heroic tier player characters, and wouldn’t necessarily genuflect just because a third-level paladin has arrived in town.