I guess the argument is not that tanks are invulnerable, but that the "typical" marauder, c.2000, wouldn't know how to kill them. That's not a black or white issue either.
Certainly, this would be true of some marauders- completely inexperienced and ill-equipped forces. These folks would probably experience what the Germans called "tank fright". They would be much more likely to panic when encountering any kind of heavy armor; they probably wouldn't know how to destroy a tank without dedicated AT weapons.
That said, not all marauders are going to have that little experience/training when it comes to dealing with armor.
In every Europe-based campaign module I've looked at, most marauder groups are described as being, in effective, deserters- men with military experience. Many of these guys would have enough experience with armor not to freak out when encountering one or two tanks. Furthermore, they might know a couple of tricks to disable or destroy armor. I'm sure that at least some Mexican/Cuban/Soviet marauder groups operating in CONUS would be similarly capable.
Another variable is access to AT weaponry. Even an old 1st gen. LAW could take out WWII and most Cold War era MBTs, if used correctly. Heck, the Germans were handing out Panzerfausts to 14-year-old Volksturm units in the last days of WWII. With very little training and no experience, some of these kids managed to kill T-34 and JS-2 MBTs.
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