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If a cargo was valuable enough, a driver's life would only be a collateral damage. Furthermore, all (non military or security) personnel training programs I've encountered specifically highlights, that in a case of armed robbery, do not resist, obey and do not escalate conflict in any other manner while trying to call help unnoticed.

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Granted, but a human guard nevertheless presents a problem for robbers.

Do you take the guard hostage? Do you kill them? Will they themselves be armed? Will they put up a fight, training or no training? If you try aggressively to bring their vehicle to a halt, will they concede immediately (as an autonomous vehicle likely would), or will they try ramming your vehicle?

A human guard is an unknown quantity, and any crimes you commit against their person are in a different league to the theft of the cargo.

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