That is where situational awareness is key, most armed people are armed because they understand that the world is a dangerous place, and knowing that you keep your head on a swivel, you are always looking behind you , to the sides, if you see someone rushing up to you , you already have your hand on your side arm. Honestly , I keep mine in my coat pocket, that way if someone tries to hold me up , I'd just fire through the coat - they'd never have time to react. Summer is a bit more difficult, no coat, so if I do get held up ,I'd throw my wallet past them.. when they turn to pick it up , I'd open up on them.