The latter. Most of us live in places where crime is not a problem. We're not all in mortal fear for our lives, having property stolen left and right at gun point.
And .. the modest amount of actual crime I've seen, no guns were brandished.
I'd rather be threatened with a gun than by a big palooka with his fists.
* Fists or a gun, you're going to do what he says. He's got the drop on you, we can assume he's picked a place where help is unlikely to come, you can't get away quickly.
* A guy like that is big, likes to fight. He's going to do some damage. If he gets into it, he can cripple you for life, rack up some serious hospital bills.
* Criminals with guns don't seem to have much of a chance to learn to use them well. Contrary to TV, while shooting a gun is easy, actually hitting something is difficult. It takes practice.