> then the same should be applied to people handing over their wallet to muggers

Not really. Muggings are both more common and less traumatic than kidnappings. This is reflected in the fact that common and maximum sentences for kidnappings are universally more extreme than those for muggings.

> Would you really deny people the ability to save their loved ones?

...yes. Because it means significantly fewer kidnappings. "Deny people the ability to save their loved ones" is tantamount to "help others to lose their own."