Security Blanket Carry Syndrome
This is exactly what happens when folks carry a firearm as a security blanket that "they know they will never need but, it's good to have it anyway" and that thinking WORKS OUT JUST FINE...until they actually NEED it & then everything falls apart!
He was so mentally unprepared & untrained ~ that it is actually GOOD that there was no round in the chamber because IF the thugs would have "got hold" of his pistol then they could have easily "caught a few" from his own firearm.
At the very least his firearm is discovered and STOLEN along with his $$$ & then another deadly firearm is "out there" & in the hands of Bad Guys!
They will then use it to rob 20 more innocent people.