There are two separate losses in a BLACKOUT arrest. First, the runner's unbanked bag scatters. Second, that runner is out for the night and places below every runner still active at dawn. Your banked Take remains on the board, but it doesn't buy your way back ahead of the survivors. A busted runner also earns no Cred from that night. Take is the night's banked haul, not a direct conversion into the account currency.
This is the reason a large early deposit should make you more deliberate, not careless. You have something worth finishing with.
Police react to what you are doing
The current simulation checks both sight and suspicious behavior. Being inside the vault building, carrying cash nearby, cracking a box or sprinting close to an officer can make a runner suspicious. Walls can block the normal flashlight sight check. Noise can draw investigation even when you are trying to avoid the beam.
Stealth rules are specific to the game. IO Interactive's HITMAN patch notes even distinguish the consequences of changing a disguise in view of others. Don't import another game's idea of disguise immunity into BLACKOUT: its disguise is brief, and sprinting matters.
Heat changes the response
Districts begin with patrol pressure and escalate as the meter rises. Higher pressure brings additional police threats; overflowing the meter starts a Dragnet. That is a district-level consequence. Several runners cracking boxes can create it together, regardless of who is carrying the largest bag.
A quiet-looking doorway isn't evidence that the whole district is safe. Check the meter before settling into another crack. Conversely, don't assume a pursuit means every possible route is closed. Breaking line of sight and changing your route can be more useful than running straight down the same visible street.
A grip is a warning, not a menu
When an officer starts cuffing you, the countdown creates a short chance to act. Space can break a grip when that escape is available. The current alpha then puts the cuff break on a twenty-second cooldown, so it isn't a repeatable answer to every officer in a crowd.
Pulling away also matters. The grip slows the runner, and distance can break it. If you create an opening, use it immediately to move clear. Remaining close to the officer while deciding what to do wastes the opening you just earned.
Smoke and disguise can help in particular situations, but neither gives permission to remain in a closed district. The cordon has its own arrest rule. Learn that separately in the cordon guide.
What survives the arrest?
Bag is the money you are carrying. Take is money already deposited. Arrest scatters the bag; a normal shove can spill part of it. Those events don't remove the existing Take.
There is a different risk to banked money: a crowbar trunk job can steal some of it. Keep these rules separate. “The police can't scatter my deposit” is accurate. “Nothing can ever change my banked total” isn't.
At dawn, any unbanked bags are lost, including bags carried by survivors. Active runners then rank by Take. Arrested runners follow them. A runner with little banked cash who remains free still places above an arrested runner with more.
Read the arrest backward
After getting caught, find the last decision that gave you a usable alternative. Perhaps you sprinted near a patrol with no stamina left for the escape. Perhaps you stayed for a box after the next job was called. Perhaps you had already broken one grip and stepped into another while the escape was unavailable.
That is more useful than blaming the final touch of the officer. The final touch may have been inevitable by then. For the next run, change one earlier decision: bank sooner, reserve sprint for a crossing or leave on the announcement. An arrest can teach you something specific without becoming a verdict on the entire run.