It's ruffling your feathers because you're unfamiliar with psychology. What you feel is heartless beavior is, in fact, rather predictable behavior in an urban environment.
I'm not sure this is really bystander effect, that to me is a condition of "someone else will help" whilst these sorts of situations are "this isn't my problem". It's feeling that others are more capable vs. being cold-hearted.
https://en.m.wikipedia.org/wiki/Bystander_effect