OTOH you can also trap an armored vehicle into a hole or mud pit, and the people inside can't stay in there forever, there is also such a thing as a molotov cocktail.

So a civilian can't kill an armoured vehicle, because if they can kill an armoured vehicle they aren't a civilian?

That’s not so crazy, is it? “Civilian” is used in the thought experiment to refer to an expected level of training, experience, and equipment. You wouldn’t reasonably expect a “civilian” in this context to have an RPG or an attack aircraft. The clear point of the thought experiment is “would a civilian be able to kill an armored vehicle with the level of training, experience, and equipment that would reasonably be expected of a civilian in this context?”

In some countries, most civilians are former soldiers.

Knowing how to destroy an armored vehicle is not a common knowledge around where I live.

It is given for granted however that around the world people are creative, can learn new things, and generally could figure out how to make explosives.

And I guess they still qualify as civilians.

A shovel can be a surprisingly effective weapon if properly employed.

https://en.m.wikipedia.org/wiki/Anti-tank_trench