But like I said, with regards to armed robberies, there's no guarantee that the end result is just going to be "losing a few bucks". Nearly 15% of armed robberies end up with victim getting physically hurt.
If the statistic were "in armed robberies, 100% of the victims are unscathed when they comply", then I'd definitely say you had a point.
Sure, you can find anecdotes like the one you provided, but I could just as easily provide this one. (that happened a few decades back at a mall that was 15 miles away from where I lived at the time...the one I used to hang out at when I was in Jr. High)
Shannon Kidd was denied parole Friday in the kidnapping, rape and killing of Mary Jo Pesha in 1996.
www.cleveland.com
She tried to comply, gave them her money, begged for her life multiple times (explaining that she had a special needs child and wanted to live). Basically a "take whatever you want, just don't kill me" situation. After robbing her, they decided that it was too risky to let her go since she had seen one of their faces, so decided to kill her (but not before raping her)
So there's anecdotes that go both ways on this. One doesn't know if they're dealing with a petty thug who just wants some money, or vastly more unstable people like the ones from the story I linked.