So basically you're saying that we should assume nothing will happen, comply fully and then, only if we feel our life to be in danger, should we act? I say our life is in danger the minute we're approached by the BG. I doubt that while I'm walking to my car at night, the guy coming up behind me wants to engage in friendly banter.
It's also important to remember that all those possessions people advocate relinquishing to the criminal are physical manifestations of your life itself.
You spent time, sweat, labor, breath and blood to aquire the money in your wallet and the money used to buy the car and the tv. When a criminal demands your stuff, he is quite literally demanding that you surrender bits of your life. Small bits perhaps, but bits none the less. Just because those bits of life have been converted through a symbolic intermediate rate of exchange in the form of federal reserve notes into something more tangible such as an Ipod or a Rolex doesn't mean those things don't represent actual life. They do.
Perhaps some people are alright with surrendering small bits of their life when they believe it will save them from jeapordizing everything at once. If so, then they must make that decision at that moment. But each of us needs to decide ahead of time how much of our lives we are willing to negotiate over.
-Rob