Ball sucks,really sucks-when I was younger and any ammo I had was bought for me I got handed a lot of FMJ by my grandparents as it was cheap.
I've shot a whole lot of possums,woodchuck,and coons with it and I can't count how many I've had get away after I mag dumped into them,some with a .45 auto!
even had a woodchuck take a round of FMJ .303 and keep trucking.
9mm is the worst I think,enough you question the sanity of using it after awhile,then you try some JHP and just go "woh"
About the only round I know of that doesn't do that is .223/5.56 with 55gr FMJ I've see it both go through things and sometimes it blows them apart,never really know what it's gonna do.
And as others have said a FMJ round doesn't stop in soft targets it just keeps going and whatever is beyond is gonna get a hole-NOT good in an urban environment.