Sorry, my apologies. I thought I'd answered a location question when I signed up (longtime lurker). I'm in Canada.
With respect, not having a gun loaded and ready to use is hardly the same as walking across a street without looking, not here, anyway. I've had the great misfortune to spend time around actuaries

Risk is a quantifiable thing, if you take emotion out of it. If I recall my gun safety course accurately, roughly 85% of gun deaths in Canada are due to accidental discharge and suicide, and that's out of a total number in the mere hundreds. So the odds are very low, while the risk attached to protection is concomitantly high. For
me, it doesn't make sense. I have guns, they're suited to the most likely need, and they're stored where they can't be stolen or messed around with.
I wear a helmet on my horse and when I'm cycling, I cook ground beef all the way through, I don't text in my car. These are my choices. I respect yours and even understand them, given an American's lifetime odds of assault with a gun are something like 1:350. But I'd appreciate it if you didn't infer, however obliquely, that I'm a fool.