This is obviously a hot button topic for many of you as pilots on both sides of the equation. I grew up with my grandfather who was a gunsmith, and I work in federal law enforcement, so it's not hard to figure out which side I am on, but let me throw some thoughts out there.
There have been several good points on here for the other side of the debate. Someone said that he carries some extra $20s, because if he can make a threat go away for $50 or even $100, that's a cheap price to pay. I WHOLEHEARTEDLY agree. In an Advanced Firearms Tactics and Training class I took, one of the most stressed points was of deescalation. Yes, if you can make that threat go away by giving up your phone, your wallet, your purse, your ________, then that is the best option. Any time you can walk away from the situation, that's a good outcome. But remember that the person on the other side of that equation is under a great deal of self-induced stress, and they may not think clearly. In that case, your offerings of your ________ may not suffice. Give up whatever you need to, but don't give up your family's and friend's lives in that exchange.
I carry a firearm for a number of reasons. One of which is the nature of my job. Even when I'm not on the job, the individuals I interact with on a daily basis could desire to harm me and my family, even if at the hands of other people. I will protect my family by whatever means necessary. If I feel I can safely remove my family from the situation, then that's the answer. If I can "bribe" our way out of the threat of harm, that's the answer.
But I spend enough time around criminals, from run of the mill street thugs to international terrorists, to know that these options are not always sufficient. I stand face to face with murderers nearly every day. I have talked to them.
A couple people have thrown out the idea of a fire extinguisher or insurance. While those are good illustrations, they do fall apart. Yes, they are things that you have even though you don't plan on using them. The illustrations fall apart in that, if you use them, you aren't generally deeply emotionally affected (scarred) and if you have to use a fire extinguisher, or file an insurance claim, you are not exacting that on another individual.
If I could boil it all down to something that I think we would all agree on, it would be this: You are important, and your family is important. Your possessions or your money can be replaced, but your wife, your daughter, your nephew, your dad, or your uncle can not be replaced. Do whatever you can to protect them.
If you feel unsafe around firearms, it is my experience in teaching dozens of people about them, that you probably don't have much exposure to them, and that's fair. Not everybody grew up in the same environment that I did. One of the benefits of growing up the way I did, is that I learned at an early age, not just a healthy fear/respect of firearms, but a healthy understanding for the consequences of using them improperly. That training is invaluable.
I put this out to my friends all the time, and so, while our locations may prevent it, here's my offer: If you are in that boat, of being unfamiliar with firearms, I'd love to get with you (especially as fellow pilots) and let you handle some firearms, in a controlled, very safe environment, teach you about their operation, and let you experience what it's like to be behind a gun. The first time you pull the trigger, it might be kinda scary and that's ok. The first time you tried to land that Cessna, it was probably scary too. But after 20 or 30 (or 300) landings, you became more comfortable with the safe operation of your airplane. In the same way, the safe operation of a firearm takes practice and good training. Put an idiot behind the yoke of a bird, with no training and you can guess the outcome. Same with firearms. Bad things happen when people aren't trained in basic respect and safe operation of firearms.
If you have questions, and don't feel like getting lambasted in a public setting, hit me with a message. I'll help get you set up with opportunities to encounter firearms in a safe and controlled setting.
TL;DR I work in Law Enforcement and want to help people not be afraid of firearms, but will do whatever I can to help you.