Please tell us when a consumer firearm is needed?
How about when some crackhead or tweaker thug is breaking into your home, and the police are 5 minutes or more away?
Tweaker breaks in, you shoot; tweaker is dead. Then you call the cops and have them dispatch a hearse to haul the dead tweaker away.
Tweaker breaks in, you call police, tweaker kills you and your family because you had no defense, tweaker flees. Cops arrive and dispatch a hearse to haul off you and your family's now lifeless bodies. Tweaker repeats the process the next night with the next unarmed family.