You are almost getting it, but you and Maher miss important factors that would had caused Maher to said then something like ‘well, it is complicated’, but I guess just “blaming liberal governance” was punchier.
Funny that you allow yourself to use irrelevant examples while declaring invalid what is valid criticism to what the right is peddling against San Francisco and other cites. This ignores that it in San Francisco, one big factor was the issue of technology companies sending workers home and then diminishing a lot of traffic (fewer people to pressure wanna be shoplifters to behave) leading also to less private security. Then many struggling retailers blamed shoplifters when it was not as bad as it was claimed, with studies that included Oakland numbers to the San Francisco ones.
The point remains, this issue has so many items missing from Maher talking points that to continue to push them is causing others to fall for a right wing narrative that is leading many lawmakers to dismantle sensible criminal reforms. A reason why the right managed to convince Maher and other middle of the road guys to fall for this was thanks to exaggerating the problem into a crisis and then demanding simple solutions that are often wrong. That has happened so many times before that it is worrisome to see many falling once again for the framing devices from the right.