"...a non locker can only fold on you if you bang the top of the blade..."

Actually, you can put a nice slice in your index finger, right about the first joint (don't ask how I know this) if you are holding the handle right up by the blade, and using the tip of the blade to cut on something, pushing the tip at the same time. Some folders (the original Leatherman PST was great for this) will fold, and you get that forever to heal cut right on the joint line...

Edit: In case I forgot to say it, Welcome!!!