There are not so many odd coincidences, once you count out the unconfirmed tabloid "reportings" of "criminal element" encounters, stalking carpet hustlers, contradictory crime scene details and bathroom hanky-panky.
We need to go back to square one, in a way. Sarai died doing what she had set out to do, taking photographs. With just a little bit more luck she would now be alive and home. And that means, yes, with a bit more bad luck anyone of us could have become a random victim somewhere (women always more in danger, unfortunately).
This crime had less to do with her activities than with the dangers all of us face when we go out into the unknown. When travelling solo, you need to know what you're doing and we can't know that all of the time. Sure, Sarai clearly was on the reckless side, so there's some reason why it didn't happen to us. But it doesn't take us far. It also doesn't help to paint her as an imbecile now that "drug mule", "sex tourist", "CIA" etc. seem to have gone out the window. "9-going-on-33", as one description of her goes, has some truth to it, but doesn't define her completely (how about raising two kids?).