I have access to a gun - granted its older than the hills, so I guess I get an opportunity to answer to. I live with two old people - dying isn't a big deal for them anymore. And I have a few people waiting for me in heaven - so I hope to just use my brain, not a gun.
I've been trapped in an elevator with 3 intimidating individuals - going up 40+ floors. I can tell you I respectfully refrained from interacting and looked at the elevator door. If I had a gun or if I had said anything - I think it more likely would have caused a problem not a solution.
I also think of my brother-in-law's mother, a man with a knife came into her kitchen, she's in her 80s. The guy says 'what are you going to give me?' She says, 'I can give you a loaf of bread.' He says 'Aren't you scared.' She says, 'no, the good Lord will take care of me.' He says, 'What am I going to do with a loaf of bread, I can get that at Catholic Charities.'. She gives him the '$1.00 she has in the sugar bowl in the cupboard, that's all I have.' And he leaves.
Or I think of a friend's daughter who on getting money from a cash machine is followed to her home. And one was coming up to her window but she leaves in her car and never gets out.
In most everyone one of these instances, the gun just would not have helped. The best thing is often to not panic and use your head. Many times, a gun would just introduce a weapon into a situation that you now must protect too.
Police is appreciated and necessary.
I'm sure you must have stories from out east where it is much more populated. I'm surrounded by fields now and more afraid of lyme disease coming in a few years.