I think you’re missing the point.
In a SHTF situation, “they” counter your clever riposte with:
“I wasn’t asking. I’ll take all you’ve got, and leave you your life.”
Oh, I got the point. In a SHTF situation, I wouldn’t bother with banter. They’d think they got everything, but they’d only find what was there for them to find.
And then they would die thinking they won.
But the “clever reposte” as you call it has made several people rethink their strategy. And that, after all, was MY point.
Clearly, you've never heard my clever ripostes.