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Rather than a hypothetical situation, how does this sound:

Your in a family restaurant in Houston on Westheimer around Kirkwood. The restaurant is crowded every table is filled, you are with your wife and another couple on a Friday evening celebrating the end of the semester. Your table is near the back, there is no exit behind you. Two masked men brandishing guns quickly burst into the restaurant. One has a pillowcase, the other stays at the door pointing the gun at everyone and keeping a watch out. They are both shouting. The other man goes to each table and points the gun at each person and shouts put your billfold, cell phones and all your jewerlry in the bag. All the restaurant staff quietly moves back into the kitchen and they all lock themselves in the refrigerator. The restaurant is still as the man comes to each table, billfolds purses cellphones and jewelry are placed in the bag as the gun is pointed at the head of each person at each table.

Your time is coming as he methodically moves through the restaurant yelling and screaming at each table. As the crime comes your way everyone prepares by getting their valuables out a head of time so the gun is pointed at your head for only a second then he is gone and it is another tables problem. You have a lot of cash with you so you fold it up and leave your billfold in your pocket, you place it in the bag and he says nothing. At least now you will not have the hassle of having to cancel all your credit cards and get a new drivers license. He moves past your table, your wife is sobbing as is the other women at the table. They now finish and move toward the door. They shout commands not to follow them or call the police and they back out the door and then they are gone.

Suddenly they both begin firing their guns through the front door from outside, hoping to catch anyone who decided to be brave and try to follow them to get a description of their get away car or maybe to kill a CCW holder who wasn't brave or foolish enough when they were inside to face them. The gun fire paralyzes everyone in the restaurant and then it is over, they have left.

The police arrive five or six minutes later. It takes hours to leave as statements must be taken from everyone. No one has been hurt, everyone has lost something of value, including their sense of well being. Eating out at a restaurant will never be the pleasure it once was. You will never go in that restaurant again.

My friend who told me of his robbery was unarmed, he does not own a gun and probably never will. It happened to him just like this. It never even made the news.