You are right, schv, and bountyhunter.
The problem is tho' are you gonna be responsible when people that have no idea how to defend themselves try to, and get killed for the attempt?
In robberies, armed or otherwise, most of the time the robbers count on surprise to gain an advandtage on the victim. If you make a bunch of noise about resisting, you might be dead before you even "clear leather".
Most of the times the BG's want MONEY. The people that have it are just a minor inconvinince. They want MONEY and will leave when they get the MONEY.
Now the rules also should change if the BG's indicate they want more than money, or are directing the victims to leave the original crime scene, or get into a back room. Those are all signs that BIG PROBLEMS are about to happen. RESIST, resist forcefully and DO NOT back down once you decide to start resisting until you suceed.
As far as crimes like rape. The advise is for the victim to do WHATEVER they feel is apropriate to survive. If the victim feels that no resistance can stop the assault, and might lead to death or serious injury and they decide not to acvtively resist, and they survive, WHO ARE YOU TO TELL THEM THEY DID SOMETHING WRONG?? WHO??
Of course if they feel that they can stop the attack by a use of force, they should be encouraged to do that.
Telling every victim to resist is stupid, many of them have no skills, tactical sense, or weapons to resist. Not to mention if you are attacked by a person that already has a gun in their hand they have "the drop" on you and they need only move one finger less than an inch to send a bullet your way.
Anyone can resist but very few may be able to EFFECTIVELY resist.