I grew up rural and live in the SF Bay Area now, and this is exactly how it is.
Appropriate city behavior is about *efficiency*, creating the least friction possible in every interaction because everyone has somewhere to be and is trying to pretend they don’t have strangers in their personal bubble *all day long*.
In SF, chatting with the bank teller a second longer than necessary is rude AF because there are 10 people in line and the teller is running behind and you are inconviencing *everyone*. They will deal with 1000 customers today and they genuinely don’t have it in them to form a friendly relationship with you.
In the little forest where I grew up you could stop your car in the middle of a one lane street to chat up a friend on the sidewalk. Any other cars would just go around you. There wasn’t much traffic, it was fine. If you’re one of 50 people the bank teller is gonna see today and there’s no line, it’s actually nice to ask how their day has been and commiserate about the roadwork at the single downtown traffic light.
City & country folks are operating under very different pressures and both are “right”, but it can be hard for city people to remember how to just…shoot the shit with strangers.