That's great advice if you live somewhere where either thefts rarely happen, or thieves are often armed. For locations in between those extremes, well… you're

That's great advice if you live somewhere where either thefts rarely happen, or thieves are often armed. For locations in between those extremes, well… you're the reason thieves here move on to a next victim if you resist a bit. Also, I doubt your family had incidents like this in mind when they gave you that advice.