I think you mean... say you got robbed. and even though you told them to get out, the robber is still in your house.

So you then ask the community for help and Smith and Wesson calls you up. They understand you don't have a lot of money especially since the robber just robbed you. But it doesn't cost much, so they let you owe them. Not free, more of a loan.

They give you a gun, and obviously train you on how to responsibly defend yourself. btw, they passed the robber in the bathroom on the way in and let you know, they're still in your house.

So you get your gun, and shoot them in your own home after they robbed you.

How exactly is Smith & Wesson liable here?