Disagree on both counts. If you're doing something wrong and it goes off, it's YOUR fault. That's negligence. Accidents are beyond your control. It's a nice out for those responsible, just like referring to car crashes as "accidents". No, it's usually somebody's fault.
The lawsuits originated from people that dropped their Blackhawk while it was fully loaded. Not manipulating the hammer. If you follow the basic safety rules and never point it at anything you do not want to destroy, ESPECIALLY when you're thumbing the hammer, it is no issue at all.
Good Lord, this nanny state we live in sure has made people afraid of the silliest things. I wonder how we ever survived for 140yrs before Ruger's transfer bar.