Since ass hats have walked in places you may not have expected they would, it's not a theory. It's based on experience.
I know that, but I have to weigh the likelihood of needing the gun to protect myself vrs the possibility of an accident or it being taken from me while I am distracted by other things.
For example I dont open carry when I go getting drunk any more. I have never had an accident of any kind doing that, but it give cause for worry for my friends, so I dont do it.
But I shoot better with 6 beers in me than totally sober. lol
The chance that I might get robbed or attacked is still there, but the other problems outweigh that possible harm.