But this does make sense if carrying in a waist band. Certainly wouldn't want to blow your dick off, and if it snags and you're pushing and pulling on it to get it freed from your waist band there is the slight possibility of unintended fire.
If you carry appendix style then it really needs to be in a holster. I know some guys just stick it in under their belt and call it good to go. Not me. I want it retained and protected. Don't want it going anywhere. The gun and holster go inside my waistband and clip to my belt. That way it won't shift and the trigger is protected (it can't get caught on anything). Gives Mr. Johnson some peace of mind.