These seem like loaded questions. It's appropriate in certain scenarios where the combatant is perceived to be a threat (that someone is unarmed cannot be known until they are killed/apprehended).

In this case Bin Laden used his wives as human shields and only froze after that plan was foiled. Note that the first SEAL used non-deadly force on one of the women and even risked his life in bear-hugging them to protect his teammates.

They said that capture would have been possible had he surrendered immediately; he didn't do this, he used his wives as human shields.