yo, you are only beginning to play this game, but once you get bigger you will realize what a small deal mugging really is.
right now it seems like OMG im getting destroyed. by the time youre like level 10 or 15, you wont be getting mugged all the time, youll be getting LEFT. if someone LEAVES you, you dont lose any money, you will lose like 5 (literally, 5) exp and they will get a LOT of exp
plus, at our levels, we get 1,000$ or so per crime, so we do a crime and bank it, just in case. but mugging doesnt happen so often anymore because theres a low chance anyone has money on them and it gives about 1/2 or 2/3 the exp, which can be a waste of energy.
just trust us when we say it isnt a big deal