Would you think am a coward for not fighting two robbers if I know how to fight?

I actually had the bad luck of running into this mess last year. One of them had a knife. Luckily it seemed all they wanted was money so I gave them my wallet.

Here is the irony:

I know how to disarm someone with a knife and more moves (not all but great enough to disable two at once) but I didn't use my skills. The issue is my then girlfriend (now fiancee) and her little nephew (then 9 years old) were with me. What if I had made defensive moves and it made things worse? What if I ended getting the move wrong in a moment of panic? Even if I ended up successfully beating them, what if they still hurt/kill her or the kid. I felt as if my hands were tied.

Part of me could've fought them but I chose not to. Would you think of me as a coward for not fighting them and handing them my wallet?

Updates
8 mo
I do believe if it were just me and the two robbers it would've been a different story.
Would you think am a coward for not fighting two robbers if I know how to fight?
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