@joey: what self defense instructor would tell you to give an intruder what they want and hope they go away? At that point they’re already too close to you.
Guess what: they’ll shoot you or beat you after you give them what they want because you are a witness.
I've mentioned before that Ive studied martial arts for 20 years, not just traditional mixed martial arts styles but also street style self defence, including training with guns, knives, blunt weapons, multiple attackers, improvised weapons, car-jackings etc.
There are generally 2 types of attackers- process predators and resource predators. Resource predators want what you have, money, phone, car, whatever. They just want to buy drugs or food, or make money selling your car to a chop shop. Give it to them and they will generally go away. Its not worth risking your life, or the life of your loved ones over a few bucks in your wallet. Could it escalate to become more dangerous ? Of course it could.
Process predators have something in their mind they want to act on, like a compulsion they have fantasised about.
This is general information and no 2 situations will be the same. Nothing is guaranteed so you have to go with your gut if you find yourself in a bad situation. Some people I know carry a second wallet and a second set of car keys to give to an attacker, if they are mugged. There are also improvised weapons we carry around with us that most people aren't aware of , or how to use them properly, should you need to defend yourself physically.
To answer your question anonymous, can you imagine a self defence instructor that tells his students that they should fight to the death in every situation, no matter what the threat level?