That's a sure formula for an accidental discharge. Home-protection guns are kept loaded for the same reason that spare tires are kept inflated. Certainly they need to be secured from children. Whoever removes that lock had better have very steady nerves. For the effort of a minute at home with a hacksaw, a thief will steal a trigger-locked gun as readily as an unlocked one.
Politicians fail the same test.
Three months ago, the Springfield city council introduced a trigger-lock ordinance with great enthusiasm and imperceptible foresight. It included guns in police officers' holsters. These flaws were immediately apparent to gun owners. However, gun owners are rarely consulted when such proposals are drafted, because their sponsors too often couch them as adversarial legislation. Actual child safety concerns get lost in the politics.