What do you do if a guy with a gun gets in your backseat of the car and demands you to drive to a ATM?
Do what he says and withdraw all your money?
Tell him you only have $20 bucks in your checking account and it's all you have to your name?
Drive instead to a busy place like front of a grocery store where there are many people around?
Tell him to go pound sand and try to get the gun from him and fight him?