Hey, it happens. Some days, the pointy hat, the sulfurous familiar, the moons & stars on your robe… they don’t dissuade a thug who’s asked for your wallet.
Take a deep breath. You have options. You could:
1) Explode into a thousand beetles (and make sure at least 10 of those beetles carry your wallet out of there)
2) Fly away on a whirlwind of dirt (or “filthnado”) leaving the criminal all gross
3) Swallow an Emerald of the Deep and, gazing through time, pluck out individual bad choices in your assailant’s life & make them a better person
4) Just give ’em yer wallet, dude. What’s money to a wizard?