to add on to this, if you fail at robbing them and get caught, you can’t enter their shops or rob them again. So…depending on how events go, you might be just softlocked for a point where you need money for “special items” (you know what I’m talking about).
Maybe you could add in an option to steal said “special items”, which could cause issues for the player later in the game if they decide to steal rather than pay for the items?