I'm a male but if I'm carrying a lot of cash on me I feel like I have a lot to lose. I buy pepper spray at my destination. It's cheap enough that I can throw it out without using it. I have never had to pepper spray anyone. If I'm mugged I'll throw a decoy wallet with only $100 cash and then pepper spray them as they're running for the wallet. I'd try to disable them from fighting back or running away and call the police.

I don't want the hassle of exercising my second amendment rights. If a criminal is armed, I will give them a decoy wallet and pepper spray them, but I'll run away.