Quick-thinking character has a gun to her head. She knows the person. How does she talk her way out of this?

Life for me has been so hard, and i am ready to meet my maker. I do not fear death and right now it would be a great relief.

Pull the trigger, now and do not foul it up and miss.

A person like that would relish the fear in the victim in that position and such an answer would nullify what they set out to do.

Pray and hear the voice of the Lord (if you have time to do anything). He will tell her what to do. I had an emergency like that and it takes your breath away so you can't even pray, but if you are close to the Lord he will be a very present help in your time of trouble. He was.

Psalm 46:1 (New King James Version)

1 God is our refuge and strength,

A very present help in trouble.

She needs to make an emotional connection with the gun holder. It makes it harder for them to kill.

That is your job. You wove yourself into that situation. As a writer, you have to find a plausible way to weave right back out again.

"Would you really do this to your friend?"

"Why would you hurt me?" Starts crying " I thought we were friends!"

"And all this time I thought you cared about me!"

"Would you really want to kill the mother of your child?"

Give them what they want, or flirt.