I've been to Jamaica many times, with a lot of different girls and I've never had much of a problem - I have absolutely no idea what the fuck you're talking about.
What I do notice is that people who act like prissy little assholes who think everybody is out to scam them, get fucked over. If you don't step outside of your hotel you'll be missing the best part of Jamaica.
You're not in fucking Kingston, and you're not walking down Maxfield Avenue, the area is safe, although the problem with Montego Bay is it's just too touristy, and to be honest, a little naff. Make sure you get out and travel around the island (rent a car), go interesting places, try Treasure Beach, or Port Antonio, go somewhere you're not surrounded by people too scared to leave their fucking compound.
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