It sounds like you don't play the odds.
What are the odds when you put yourself at the mercy of a dirt bag? All of this - he has me beat because he has a gun out stuff - is balderdash or already you death knell. So, since by the defeatist mind set, the guy has you beat already and since there is a good chance he will kill you or steal your gun then kill others with it - why wouldn't you fight back even if the odds were against you? Is it really that you would depend on the mercy of a guy who is robbing you at gun point or otherwise illegally threatening you?
Anyway, in my training over the years, when two people using firearms are against one another, and one has the gun holstered the other has it poiting at the one with his gun in the holster, I have seen the great majority who had it in the holster win. They did that by following their training, even when the other guy playing the bad guy had the same training. How - by moving/drawing/firing all while seeking cover - or if close enough by attempting a one handed take away while moving/drawing/firing or by creating a diversion and moving/drawing/firing. There is more to it than that, and training will provide you with the more to it part. Surrendering to someone who already has a gun pointed at me and who may quite likely be about to kill me, well - in most cases, that is not for me if I think I can avoid it and come out the winner. I am older and slower now maybe all the more reason to stick with what training I have already, much of it was geared at keeping me out of getting myself into such a situation, the rest was how to be a winner if such a situaton ever arose.
Glenn, I think you need a new trainer....
As for my trainers, they have been in the US Border Patrol, the US Customs Patrol, the US Customs Office of Investigations, the NYPD, the California Highway Patrol, The Federal Air Marshals, and some other training sponsored by the NRA. I do not think I need to change my trainers. Most of them were of the same mindset when training about a do or die situation. That mindset was to fight back and win.
One thing to ponder though - that is really important: Many, if not most, robbers don't stop at the wallet - they look for or demand more from you. Think about what he or she will do when he or she finds your gun. Would you try to beat the drop then? By then it is almost certainly too late because even the bad guy has gone to another level of alertness and probably to a whole other mindset about whether or not to kill you if they had not previsously decided to do so. If you were not going to draw and fire when confronted by an armed assailant who is robbing you, maybe it would have been better for you not to have been arnmed in the first place.
I am not advocating what I would do, or think would do, for you or for anyone else. You do what you think is right for you after you get your training from whomever you get it from. Win or lose, you can figure and play the odds your own way.
All the best,
Glenn