I don't have kids, so I'm not worried about their access, but I really do fear a criminal getting to my guns. The break-ins in my neighborhood is almost always methheads looking for cash and jewelry, and of course guns.
I once had a neighbor see a stereotypical looking methhead walk down my driveway into my back yard. She stood on her back table and shucked her shotgun, yelling "I see you there!" He ran and climbed over my six foot back fence that drops another six feet into my neighbors' yard, leaving his backpack behind. I hope he hurt himself well and good.
His backpack was full of cheap cell phones and some other useless stuff.
Cops never caught him though.