Speaking only for myself. The ideas that it's only money or that you're allowing a criminal to continue his career path are irrelevant when faced with deadly force.
I would not rely on the mercy of a criminal. I've made a conscious and considered decision that IF I was ever in such a situation I would resist to the best of my ability.
No, I don't think I'm wild Bill Hickok or Doc Holiday. I accept the very real possibility that I would be hurt or killed. Still I would choose not to be a victim and no matter how far behind I am on the reaction curve I would be looking for an opportunity every second.