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I’m not certain what compliance with the demand to hand over the cash costs the victim.
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It just might cost the victim his life, or serious bodily harm.
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Not drawing your gun also does not mean you cannot later.
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It just might mean exactly that.
A decision to not draw, and fire if necessary, would be appropriate
if (1) the victim might be unlikely to prevail under the circumstances,
or (2) indications are that drawing may result in increased risk to others,