There's a lot more to it than that.

There was widespread feeling that if they just went along with it, the Nazis would leave them alone. That was a deadly wrong assumption. There's also factors like having enough able-bodied young adults to do it when there was a need for them to take care of older people.

Forgotten Weapons has a video about a college paper he wrote on the topic. It largely shows that people in the Jewish Ghettos could get crude but workable firearms if they needed, but the factors above tended to get in the way.