"I told them I'm not paying nothing,"
So she is paying something? That's why companies have insurance unless it is specifically in the job description that they employees are responsible for breaking up robberies. I don't even think Rambo would take that job.
If you build an army of 100 lions and their leader is a dog, in any fight, the lions will die like a dog. But if you build an army of 100 dogs and their leader is a lion, all dogs will fight like a lion.