Yes..really, in my opinion; it can (and sometimes does) come down to that.
I don’t know if you’ve ever been a victim of a personal crime(s); I have.
When you have a split second to act — what will you do?
Will it be a “deer in the headlights” moment or will you just do what you have to do to rectify the situation?
In my opinion, in today’s world; people must ponder thoughts like these.