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If the BG already has a weapon drawn, he's made his intent patently clear: do what he wants, or I'm dead. As compliance has a poor survival track record, I think it's pretty clear what to do: pretend compliance or dodge around until you're able to get your own weapon out and properly respond to the threat.

Possible options include lateral movement and sidestepping, diving for cover/concealment, handing over wallet and "fumbling" it so you can get your gun out while the BG is looking/bending down, using improvised weapons, grabbing the BG's weapon arm and forcing it away from you, reach for the wallet and come up with a .45, etc.

It's a very situational and subjective question. Does the BG appear to be high on something? What cover/concealment is available? How physically fit are you? How well do you keep your presence of mind? There is no one "correct answer"; anything that keeps you sound, safe, and alive is the correct response.