Because you don't believe defending yourself is instinctive it doesn't make you right. People are wired differently and that's a fact.
During the terrorist attack at London Bridge CCTV caught many acts of people instinctively fighting back, that Millwall fan did despite having multiple stab wounds. He wasn't the only one either.
No one has mentioned that the robbers flashing the knives just might stab you anyway even after the get what they wanted, they are shit bags after all. when your backs against the wall and there's nowhere to run who knows what people will do to defend themselves.
I'm not judging anyone either way but I don't think it's fair to ridicule anyone for saying they would fight back while there home was being violated.