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?