>>If someone pulled a gun on me in England and demanded my wallet, i'd give it to him, and no one would die.<<

I'm not sure how it works over there, but here that scenario is so rare (in reality, not theater) as to be almost fantasy. Assailants here don't like to leave a person any choice of response, they much prefer to just beat the victim senseless immediately (often by using surprise, or ganging up on the victim- the more the merrier), and then they can do anything they please to the victim at their leasure.

Shopkeepers are often (and mugging victims sometimes) shot AFTER turning over cash, especially if the robber thinks the shopkeeper might be a witness later (or the perpetrator just has some class-struggle anger to vent). Fences of stolen goods pay more for stolen credit cards if the previous owner was killed; if the owner was just robbed, cancelling the cards is the first thing that occurs to people. If the owner was killed, it's one of the last, so the cards tend to work for much longer afterwards, and hence are more valuable.

You must make your own decisions, of course, but I strongly encourage you to base them on reality, and not on a child's-play scenario (whether it's Jesse James or Dick Turpin). It's highly unlikely that anyone is going to point a gun at you and politely say "your money or your life". It's far, far more likely that they will just take control of the situation as quickly and efficiently as possible, and after that, it's too late- you have no further say in anything. If all they take is your money, you will be very fortunate.