We seem to be talking past one another. If running away is a viable option, you aren't shooting anyway. By the time a civilian has pulled a gun, it's already shoot-or-die time, or should be.
In an urban environment, it will be the rare circumstance where a person can know with certainty that there is not someone on the other side of an assailant. Given that, and given that some instances can arise where deadly force with a firearm is nevertheless justified, it seems the excercise of due care to try - if legally and practically permissible - to select ammunition that will minimize the risk to bystanders.
BTW, rounds coming out the back side of a target don't necessarily come out on a straight line from the way they came in. Even if there's nobody directly behind the target, that doesn't mean that overpenetration can't pose a problem.
Realistically, the odds on all this are low. But they aren't zero. It's probably best to move the numbers towards zero to the extent reasonably possible.