I say it becuase the next person I meet who can tell a 20 from a 12 by touch, in the dark, will be the first. We are talking home defense- if you don't store it loaded, as many jurisdictions require, that is what you will be doing. If you want to do something like stash your 20ga fodder on another shelf, that's great. I don't have that option, based on space, a lot of people don't. If the two are near eachother, the risk is there. And in my opinion, an unnessesary one. You compaired it to speeding, I'd compair it to Russian roullette.