I agree 100% when it comes to the money.
But, it really comes down to a rapid judgement call on whether to act or not.
What we don't know about this (and any other situation we are not present at) is the temperament of the situation. She may have had the 'gut' feeling that she was in danger even if she freely gave them the money. We don't know what was said and the intensity level.
There are plenty of stories where the money was handed over and the person being robbed was shot or stabbed anyway. A husband and wife (and friends of my aunt and uncle) were both beaten to death with baseball bats after freely handing over their money when their store was robbed years ago.
Having had a loaded gun pointed at me, I can attest to the tension of the moment and necessity for a quick determination of what to do next.
Yup, when that thing is pointed in your face somehow 20 MM rounds get in a .38 cylinder...don't ask me how but that is just how it is. If you can exchange money for your life then great...that's what you do so just do it. If there is doubt simply giving them the cash will not keep you from getting shot or otherwise beat to death and you can't get away from the situation...that's when you may wish you had training.
I cannot overemphasis training with your weapon in how you would really use it (access it and bring it into play) in a situation where a killer is going to zero you out despite your compliance with their demands. In the heat of the situation its a really bad time to find out how long it really takes to fumble for your weapon. The less you train...the more fumbling there is. It's like MB says....ALL OF THE TIME....shooting is a perishable skill. Your situation depends on your performance level which is a function of physical well-being, training and the environmental factors you find yourself in.
There's a reason for telling people of get off the
"X" when they train. If you have training and quickly devise a plan to move and shoot your odds go up. I'm old, fat and slow and continue to stun guys at work, etc. by demonstrating it takes about 1/4 second for someone to respond to your movement. So...if I knew I was going to be shot (none of this is advice for any of you here) I'll sidestep-draw and maybe sidestep-shoot....when the guy opposite me is planning on dropping the hammer he doesn't know I'm going to move much less which direction so it's .23 or so seconds at best before he can pull his trigger and I'm no longer on the
"X" but I am drawing and giving myself a chance...maybe I won't die alone or best yet no one will die or be injured. Just a sidestep buys precious time....but try that without training and that might only prolong a victim's life a second.
Again, TRAINING is the key once a decision to shoot is made. Doubt it? If you don't train, forget about the scenario above and try the scenario where you have a gun in the nightstand to protect yourself and time how long it will take you to get it....I bet 95% of you will be amazed how long it takes just to pick one up off the top of a nightstand much less how long it takes to pull one out a drawer. Try it with a blue gun or with dummy rounds....if you are honest with yourself you'll find that your time stinks when you first try it. Then...place and orient your gun a certain way, do that each time and try it 15 or 20 times...now time yourself and compare to your first attempt. You can say that knowing the gun is in a certain place and certain condition made the difference....and I will say that is training and learning from training to know what works....along with the consistent mechanical movement of your body to access the firearm that you learned from training is the key. Without training you can't know how bad you really can be and with training you'll always find out there is something else that can go wrong....you can't train for every possible thing that can go wrong but when things do go wrong training speeds up response to both the known and many unknown factors.