I do a lot of shooting. I am around a lot of people that shoot firearms. I am a Certified Firearms Instructor and Certified Range Officer. I did some contract work to teach The Sheriff Department use an AR. I have worked to train Law Enforcement on pistol reaction shooting.
I don't consider myself a firearms expert but I do know more than most people.
My opinion is that most people are too inexperienced and don't have enough range time or training to safety carry a firearm, no less have one with a bullet in the chamber and ready to fire with a squeeze of the trigger.
It takes a lot of training to become proficient in the use of firearms. It also takes a lot of practice.
What people think they are capable of doing and what they are actually capable of doing when it comes to firearms are two different things. It comes from watching the Hollywood depiction of forearm use.
An inexperienced or poorly trained individual is far more likely to have an accidental discharge than they are to efficiently use a firearm in a stressful encounter.
If you are well trained then your finger can become your safety. If you are not well trained then then you had better have some mechanical barrier between you and an accidental discharge or else, "kid you are going to shoot your eye out".
According to the gun nuts here, none of that is true. The constitution made everybody competent to be armed 24/7 in every situation from a baby christening to full combat. Watching any two movies that star either John Wayne, Clint Eastwood, or Charles Bronson makes you a sharpshooter.