We still have a bit of a Wild West attitude here. The sort of responsibility that you posted about sounds like a good idea, but does not exist here. That would take away many of the excuses for self arming. And the number of bad shootings is very very small. Far less than the crime rate so maybe an argument could be made for an employee that protects himself. but if we had your system there would be no need to do so. Instructions for what to do in case of a robbery would be clear. Very very few in the robbery business ever want to shoot someone because they know that causes heat to come down on them from all sides.
Quite often I realize that our system is penny wise but pound foolish.
Armed Robbery in countries that have lots of access to guns must mean that higher security measures are needed for employee, customer and property protection.
I have noticed (mostly in films) that many security officers and Value-in-Transit officers in the US are armed.
Mandatory Insurance cover for gun users (in the US) does seem to be gaining ground now, and I reckon that your whole country may be enforcing such insurance within a decade. Personal cover is inexpensive at this time, but 'employee at work' cover could be huge for companies to bear, and they might need to think of other ways to handle robbery risk.
I knew the head of security for a huge betting shop company in the UK. When he joined the company attacks on staff were occurring daily and the cost of installing anti-bandit protection around every staff kiosk was an impossible financial mountain for them. He saw this problem from a different perspective, because he had visited betting shops anmd watched hlow staff treated customers. When behind glass some staff were rude and careless to customers and this was causing many of the problems. He ordered all screening to be removed from hundreds of branches, and all staff received 'Customer Care' and 'Conflict Reduction' training in their stores. The attacks stopped ...... they just stopped! Obviously this is different to robbery scenarios, but most retailers in the UK have counter-caches ..... a kind of safe which can receive currency notes while not being opened. In robbery attempts the staff just step back, comply absolutely with the demands being made but point out that they can't get in to these safes any more than the robbers can...... and they throw open their tills for robbers to snatch what they can get. My local Bank has just ripped out all of its 'Teller screens' and installed open desks for tellers.
A till with just a basic 'float' and change is a much smaller loss than the compensation for severe injury or death of an employee.