I think the need for one really depends on the area they live and the type of person they are. If your a person in a gang infested area and you stand out of the crowd, i think a Bulletproof Jacket
would work great and you would be happy you were wearing it during that drive by shooting. So in general yes you guys are right no one really needs one, but some people do.
Police, VIP's, Body Guards, bouncers, and other people like that would also probably utilize a bulletproof vest more often.
Just my two cents.