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If that happened to me I would have done exactly as your cousin did, gun or no gun. There is no need to have a shoot out over a Kia. Did they recover the car?
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This is the same line of thought propagated by many on the left in response to violent criminals; "just give them what they want and then they will leave you alone." I have even seen it suggested that women don't fight back against rapists, to just let him have his way with them and then he will go on about his business when he is done. The fallacy with this line of thought is to assume that all the criminal wants is your wallet, or your watch, or your Kia. These are often violent sociopaths who not only want to rob you, they want to harm you. Many people have conceded to a gun wielding robbers demands, only to find themselves getting shot anyways. I am not saying that simply giving over the car is not the right move, it clearly worked for your cousin, but I think you need to be prepared to have a shoot out, not for a Kia, but for your life.