Slow down there - you’re making some rather large assumptions about why they have guns. Sure, some people have guns for “self defense” (some for valid reasons, others because racism). Others have them for hunting. Sometimes they’re inherited and have sentimental value.
Edit: Also, kids aren’t the only reason not to keep them loaded. Keeping guns and ammo separately secured introduces enough of a delay to reduce the risk of suicide, for example.
Oh See Paren Left Brace Whatmark
For loads of alternatives, see the Jargon File