The armor-bearer's fear is understandable, but Saul's ultimate action is chilling. What does this refusal and subsequent deed tell us?
Saul's armor-bearer 'feared greatly.' This likely encompasses fear of Saul himself, fear of the repercussions, and perhaps even a moral or spiritual hesitation to kill his king, even at his command. However, his fear was not enough to compel him. Saul, seeing his command unmet and facing imminent capture, takes matters into his own hands. His final act is one of extreme desperation, an attempt to control his own end when all other control is lost. It's a tragic picture of a leader who, rather than face the consequences of his failures and place himself in God's hands, chooses self-destruction.