BIG SPOILERS (of course)
1. Phil and Nico, the two thugs, weren't on their own, they worked for Arno. Whatever their desires, they had to clear it with Arno. Since Adam owed Arno money, robbing the store would be taking away inventory which had to be sold to make the money Adam owned Arno.
2. As Bruce says, below, most of the inventory is either "floored" meaning paid for by a loan company (or, knowing Adam, loan sharks). Thus stealing it means fencing it for less than it could be sold for, the proceeds going to Arno.
3. Again, the thugs are on Arno's payroll. Phil kills Adam in an explosion of anger, not on orders. He knows he'll be in trouble with Arno (at best) so he kills him too. Now they have to cover up the crime so they stage a burglary. THAT's why they "burglarize" the place, not to make a score. If they fence the gems, they'll be discovered and probably be on a hit list for others of Adam's creditors, so they'll probably dump 'em.
4. Phil and Nico aren't mental giants. There are cameras all over the store & at the end they are about to leave, with no thought to stealing or erasing any video. So, I figure they're doomed.
I just hope the father, played by Judd Hirsch, loses his money. What an A-hole! Plus I didn't like his character on Taxi, either. :D
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