Mr. Cruel

There's been a kidnapper in your town for quite some time, and the police can't find any evidence of the man they call Mr. Cruel. So, afraid you'll be next, you decide to hide out and stay home, locking all the windows and doors. One late night, you wake up to a crash and see a man walking through your doorframe, dressed all in black, his face completely covered by a balaclava. He's pointing a gun at you. He also seems to have rope and a knife. Just stay calm, or I'll shoot. All I want is the money.