Your physical demeanor and psychology are an integral, oft-neglected, part of MA. I have only been in several fights since my school days, even though I was often in dangerous situations, because I go from point A to point B, eyes forward, chest straight, and anyone that is considering whether or not to try anything can see that I will destroy whatever comes in between me and point B. In developing countries people often try to harrass and haggle you. When I walk down the street I can see them start to aproach and open their mouth to speak, just before they bail out on that notion, press the abort button, and halt in their tracks. It's all about attitude.
BUT... If you and your loved one are taking a stroll and you are confronted by numerous armed assailants, hand to hand combat may not always work. It's better to comply and give them what they want, assuming that it's money or some other valuables. But what if they aren't in the game for money? What if they just want to torment a happy young couple? What are you going to do with your hands and feet against knives or other weapons? In CMA there were 19 disciplines of combat. Sanda (Unarmed combat) was dead last on that list for a reason.