Because home break-ins when the homeowner is at home never go badly for the homeowner?
Maybe I'm just different, but, given the choice, I find a property crime preferable to a violent confrontation.
Oh come off it, not everybody is looking to kill you, life itself is a gamble, and I prefer to have none of the above happen. How about a person breaks in for some quick cash or belongings, meets a pointed gun and runs like hell? I'll be willing to bet there's a lot more of that going on than that which makes the news. Personally, I've been a victim of theft and burglary too often to be one of those that comes home to a house askew and says "thank God we weren't home, lets call the insurance company so we can get back a third of our stuff!"