If I was faced with an armed robber I wouldn't hesitate to hand over the money. Why would you want to argue? As has been said, these companies will get it back on their insurance so it makes no difference to them.
Acting hard and refusing to hand the money over could result in you being shot or stabbed / kicked to death. Hardly worth it.
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Old aunts used to come up to me at weddings, poking me in the ribs, cackling and telling me
'You'll be next.' They stopped when I started doing the same to them at funerals.
