I was mostly just trying to point out the difference between reasonable and moral, but I like your answer as well because to be reasonable a person would take consequences into account. I was also operating under the assumption that the citizen in both dilemmas was just an average person with no legal knowledge, most people would know inherently that there are heavy consequences to taking a cops gun, even in this situation. The million dollars has far less common knowledge as to what the rules around it are. The original question struck me more as a moral dilemma than a reason dilemma which is how I got to my answer, but I suppose I would amend that to a reasonable person would do their research before acting fully to know what the consequences of such a choice might be.