Off duty cop finishing a run goes into stop&rob - carrying concealed. While in line an armed robbery takes place and everyone is ordered on the floor. He notices the thief's gun is uncocked and is confident he can draw and fire. Decides not to b/c thief doesn't seem about to blow up and really doesn't want to kill anyone unless absolutely necessary - instead decides to be a good witness.
Kicker: Thief says something. Man behind cop, with shotgun, says "all clear" and they walk out. Cop never noticed man behind him until it was all over.
Cop witnesses McDonald's manager brought into office at gunpoint. He gets everyone out of restaurant. Confronts BG as he is exiting office with gun in hand. They exchange gunfire and cop survives.
Kicker: 9 yr girl killed in parking lot by BG stray round. Cop tells story around country and asks rhetorical question, "Did I save a life/lives, or cause the end of one?"