'S'alright Bruce. Thank you. You bring up a good point. There are many times when, for even the armed person to give up the money if no other violence is going down. What are a few dollars compared to a human life. And such is often what actually happens. I have read plenty of accounts of such things happening. At the very least, I wouldn't want to get involved with all the paperwork and endless questioning. Reporting the crime is hassle enough.

I know of one case personally where a fellow was being beaten by two men. He had a CCW but tried to duke it out with them rather than produce a gun. But when he knew he was losing consciousness ( one of the guys was already starting to rifle his pockets) he knew they'd find the gun and feared they'd use it on him so he drew it and they took off running.

Like insurance: you really don't want to have to use it but it's sure nice to know it's there when you really need it.