Only during deer season do I leave my flintlock loaded, for the following reasons:
1. My wife and I have no kids, and no kids under the age of ten ever set foot in our house. The kids in question have all been taught to shoot, by me, and wouldn't touch one of my guns without specific, on-the-spot permission. If I doubted this, in the least, no kids would be permitted to enter my home. Ever.
2. When I leave the deer rifle loaded, it stays out in my shop, which is then locked, when I must be separated from it (my job has this most unreasonable policy about not showing up / not getting paid, even during deer season!).
3. I dislike wasting a good ball by pulling or firing it out (which can only be done somewhere on the sixteen acres I hunt, where of course I'm convinced that discharging my gun will spook the monster buck who was checking out the real estate in preparation for moving in the next day), and I don't own a CO2 discharge whatzit or have any intentions of buying one.
I get the impression, which may be incorrect (if so I apologize for the mis-assumption) that you consider leaving my gun loaded a questionable practice. While you are right (and in the case of some people it's more questionable than with others), the unfortunately natural extension of the logic "loaded gun=unsafe practice" is "guns at all=unsafe situation". I was taught and firmly believe that "gun safety" is almost 100% about the wingnut who owns and handles (or permits to be handled) the gun; not much at all about the gun itself, loaded or not.
Ah, but wait -- to quote dad: "They're all loaded." And thus should they all be treated.
No offense or hostility implied in the above statement! Simply my opinion, and if yours differs from mine I only ask that you disagree politely. :v