Especially those who're full of ideas that most of the males are not safe and (thanks to the radical incels who're ruining the image of all the incels around the world) the incels are crazy and dangerous, surely will be afraid to have a normal chat with you.
But we can't conclude that all the females are like this. There is a group who is very talkative and they'll ask you a lot of personal questions (including your salary, your property, your love life and so on).
Also, as many incels noticed it, if you're a very handsome male (a Chad-tier one or a PrettyBoy-tier one) you don't need to worry about it because if you're silent and shy, they will be like "He's so cute!" and if you're talkative and asking the so-called "personal" questions they'll be like "He's so genuine and assertive!" Once you're not an attractive man, than it's getting difficult to maintain a proper conversation but it's doable in most of the cases and you should just try to adapt to the concrete personality of the female. Well, if you feel she is not so easy to deal with, just don't bother and try somebody else. And use it as a motivation to improve your knowledge, your body fitness, your hygiene and your incomes (if it's possible). Just don't give up at all!