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This real-life scenario above is a tough one. When the guy comes to you, do you shoot him? Will he fire back and hit you or someone else at your table? Will the other gunman open fire into the crowd?

I am not passive, and I like to think I'd do something, but situations like the one above make it very difficult to a) know how you might react and b) come up with a plan that doesn't get someone else seriously injured. Even if I was carrying and reasonable sure I could deal with one of the bad guys when he came over to me, I wouldn't want to encourage the other shooter to start firing. Brazen, high-risk crimes like this are usually performed by those who don't mind taking lives themselves (in fact I wouldn't be surprised given how outnumbered they were if they hadn't already calculated that they might need to take one patron out just to make the point that they were serious). If I shot the one guy, but the other guy hurt someone, I think it would be a lot harder to deal with than if I simply handed over my valuables and had to replace some cash or a watch.

Very tough decisions, indeed.

There are a million ways to look at this, but given the limited facts, I would let him get his money and go. Money can be replaced, and restaurants carry insurance. Now, if the guy shoots someone, inflicting some bodily harm, and/or the situation turns into a hostage situation, I'd have to think twice. But I'd be dialing 911 on my iPhone with one hand, and have my hand on my gun with the other in case things escalated.