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Why would anyone hand over the bank's money but for a threat of force or fear? It is either conditional (give me the money and nobody gets hurt!) or absolute (I've got a gun. Give me the money!)

I've not been in one of these situations but I have the impression that they are seldom unambiguous. Either you are present without being aware of the whole scenario, or the events are going on outside of your immediate presence so you have a hard time reacting to the situation in real time.

Maybe the best approach is to be a good witness but get ready to act immediately if you can do so without attracting attention.

If you do see a gun/knife, do you immediately aim and holler, "Drop it, hombre!", or just shoot the robber right away without warning?