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Last time I considered this it was $10M, though I might need to update it for inflation now.
That is irrelevant here though, because a robbery is considered a life-or-death situation in law not because of the monetary amount, but because of the everpresent threat of bodily harm. Whether explicit, with a pointed gun, or implicit. "Give me your money!" ... or else... is implied. If the criminal could reach into your pocket and take your money without use of force, without you even knowing, it would not be a robbery but a pickpocket larceny and precisely not covered by deadly force. But a criminal ordering you to give your money is a deadly situation, even if you only got $0.10 in your pocket.
You are implying we should value human life and just hand over the money, but that's not the issue here. There is no guarantee that you would not be harmed even if you cooperate. A fast food place in my city got robbed, the cashier handed over all the money but the robber got mad there was only $100 in the register, and shot dead the cashier and the customers. The criminal has already demonstrated reckless abandon by engaging you in a robbery, there is no longer any expectation (as would be with any normal stranger) that physical harm would not imminently follow. Next to a literal attempted murder, a robbery is the most dangerous confrontation you could ever find yourself in. I am glad that the law of my state treats it as serious as that.
If you are in a robbery and you are absolutely sure that no harm would come to you if only you cooperate, that is nice, and you can graciously demonstrate your value of human life by handing over your $100, or $12k, or $0.10 or whatever, but such security is not a privilege everyone shares.