To the first point... some stores do. Hell, even fast-food restaurants in some big cities hire armed guards to keep the peace. Have you ever seen a McDonald's w

To the first point... some stores do. Hell, even fast-food restaurants in some big cities hire armed guards to keep the peace. Have you ever seen a McDonald's with armed security? I have. And in any case the threat surface is way different. If I hold up the local Best Buy at gunpoint I'm not walking out with their entire customer roll. But if I hack their POS, there's a pretty good chance that I am.