The U.S legal system is awesome!

I think it is pretty likely the homeless man had a prior conviction.
 
In the armed robbery/stolen bank account scenario, while the armed robbery would include a short term threat to life, I'd prefer it when thinking long term. In the armed robbery, the robber gets my ATM/debit card, useless to him since he doesn't have my PIN, my credit card, which will be reported stolen and any charges made disputed, and $20 cash. In the stolen bank account scenario, the robber gets 99% of my money and all my future earnings (I use direct deposit).
 
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