Notice also that "Education" is not the answer. The gun owner was obviously educated about leaving it unloaded and separate from ammo. It's hard to write a law to account for all contingencies without it being overly restrictive. To me it seems to depend entirely on the individuals involved. Living in rural area with varmints & rabid animals in back yard, I raised our boys with unloaded shotgun readily available and trusted them not to handle any firearm outside of my presense. (My other guns were locked up) If they had guests, I would remove any gun. Never had them loaded but ammo was close-by. If my kids were like many other kids, I would have done things differently.