I don't go off duty from the fire department anytime i'm ingame for the sole reason of being mugged causing so much setback as i cant grow or shoot so im forced to legally obtain money. Mugging is so common and risky that I dont do any civ due to it. If mugging were less risky I'd go off duty. The fact that people rather take a punishment then loose stuff also shows how hard it is to make money for some. For some of us that could be weeks of effort lost in 3 minutes.
If I do get mugged I comply but its so dangerous i just avoid ever getting into a situation where I could get mugged. If it didnt effect people as much i think we might see alittle less of people dealing with punishment for it more.