The main issue is that the firearm isn't drop safe. Yes, you should treat every firearm as if it were loaded, but it's not unreasonable to expect a gun to only fire if the trigger is pulled.ANY mechanical devise can fail. All weapons should be considered loaded, and a constant effort to be treated as such should be mindset.
That being said, some models have better track records than others. All my handguns have hammers with built in guards to reduce the likelihood of an ND by dropping one.
But there is never a complete guarantee. Guns are dangerous if safety precautions are not adhered to, and life can be dangerous in and of itself.
You can reduce risk, but you can never remove risk all together.
