I don't see the need for the average citizen to have body armour. We do not live in a society where you risk your life walking to the store every day. There are very few incidents of gunfire, and those incidents that do happen are between known people.
When I bought my body armour, I had to produce a document showing that I needed it due to my job. I was heading to Kabul to work on a UN contract. No problem buying the armour. I don't wear it here. I was asked about it by customs but showed my UN id, and problem solved.
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