Not only can they afford guns, you can afford nice dependable guns with top of the line defensive ammo, and go to the range to practice minimum once a month. The dude whose door you just kicked in? Hes spent thousands of dollars and trained for 3-4 hours every month without fail just in case someone was stupid enough to do exactly what you just did. Hes spent countless Saturday mornings practicing quickly clearing his holster and putting three rounds center mass just in case he is forced to do this in a real life or death decision. Hes fighting for his families lives. You are fighting for his tv and loose jewelry. He has more training than you, is more familiar with the layout of the environment than you, has a security system for armed backup coming to help him not you, and is way more motivated to fight through injuries than you. Not to sound like Illidan Stormrage, but you are not prepared for this. People committing home invasions for quick cash are prone to dying a violent death in someone’s front hallway and waste their entire lives worth of potential all for some loose electronics.