The FIRST thing you want to remember when in this sort of situation, the scumbag is probably loaded on some chemical(s). Long ago it was alcohol alone. Today, unlimited. Whatever his (her?) sober personality, you are not seeing it. You want to take the chance? Giving up the money is always recommended because the gutless politicians (usually lawyers) make the "law enforcement officers" say that. Not a totally bad idea. If you appear to be cooperating that is best, but if the scumbag decides you are from Mars (or other alien place) and need to be shot anyway... -bang- Some are just "mean" and worse on chemicals...
Number TWO, the legal test, you cannot shoot to protect property. You have to demonstrate to civilians (a jury) that someone had reasonable reason to think their life was in jeopardy. Only then are you authorized to shoot, but as suggested, you are not permitted to shoot, however bad the bad guy is, into a crowd... etc.
OBVIOUS? Yes, but under this kind of stress, especially since you are not on drugs hopefully (illegal drugs anyway), you may miss, wet your pants, vomit, faint, ... more reasons to cooperate... Now if you are sure your life (or anothers') is threatened and you want to "take the chance" --- bury the gun in flesh and fire couple times. Hopefully you won't miss. (It has happened.) LUCK.