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Without knowing the situation and level of situational awareness of those individuals it is impossible to speculate on what could have helped any of them. However, unless they were physically attacked or had reason to believe that compliance was a dangerous course of action, then having a gun shouldn't affect the outcome.
If you have a gun and somebody says "Give me your money.", give them your money. Guns are a last resort. I would not use my gun to prevent an unarmed robbery or non-violent mugging.
Life > Property
No one dead > BG dead
Not being sued > money in my wallet
loss of money > risks of a gun fight
Act in a manner to minimize your risk of loss.
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Nobody plans to screw up their lives...
...they just don't plan not to.
-Andy Stanley
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