Are you saying that a guy, held at gunpoint in an alleyway, hands over his wallet is acting cowardly? (Even if the victim knows that some of his stolen money will likely be used to finance future violent behaviour).

Surely, most people have dependants. To refuse to hand over the wallet carries a high risk of death. To resist is likely to cause his dependants great future financial hardship.
To insist that this man is a coward seems to be quite a leap.

To make a judgement like that requires knowledge of the victim and his circumstances.
I'm just curious to learn on what is this judgement based. (I may not be following the logic here)