In your analogy imagine being held at gunpoint knowing that if you give up your riches you will ultimately survive but the behavior that caused you to give up your riches will be incentivized and perpetuated due to your compliance. Now contrast that with the situation where you refuse to hand over your riches and the would be robber walks away or kills you only to have the riches disappear the instant you do.
Granted it is not an easy situation for an individual to make but choosing to be complicit and acting accordingly is still an exercise of an individuals agency.