As several others have stated, the original question was, is a gun always loaded, not should you treat a gun as if it is loaded.
A gun is not always loaded. However, with regards to muzzle control and general safe handling, you should treat it with care and respect.
Those of you quoting great grandpa, and the rules, and your instructor are not proving anything. It is right and proper to treat guns safely and not point them at people, etc. But the fact is, they can be unloaded.
Quote:
I'm much more apt to follow a rule that actually is based in reality than one that has been sensationalized in order to scare me into being safe.
It is based in reality. You could check the chamber, check the magazine, and see light from the end of the bbl, and still have missed a round.
I honestly believe that if you are capable of checking the chamber, checking the magazine, and seeing light through both ends of the barrel, and miss a round somewhere, that you do not have the mental capacity to own firearms.
Whenever I clean my guns I inspect the bore after swabing it. For some, like my AK, .22, and shotgun, that involves looking down the barrel from the muzzle end. Doesn't phase me a bit, as I know the gun is unloaded and incapable of firing.
Safe gun handling is important. No one in this thread is disputing or debating that. The simple fact is that when a gun has been personally verified by you as unloaded... it's unloaded. Laws of physics still apply. Bullets don't materialize. I sure wish they did though...