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This is a horrible situation.

First thing I do is pull my wallet and put my gun under my leg and say please dont hurt me or my family and take the money. They get the wallet. If it looks like they are going to hurt/kill someone or hurt/kill my family then I use lethal force to defend those who are going to be subject to their aggression. However, I have already made myself aware of the my surroundings and picked a table that would be best suited for this action.

I would just keep the scenario simple to a few steps. "Many a slip between the cup and the lip."