This over obsessing about safety has become unproductive. There is no way to make a gun absolutely safe and still have it function in a useful manner. Anyone, who after proper instruction, cannot manage to lower the hammer safely with the older style, traditional, lever action rifle, should probably consider some other endeavor. He lacks the manual dexterity required to be a shooter. The silly cross-bolt safety added to these guns was completely unnecessary. It doesn't make the gun safer, or easier to use, and in some cases, could make the gun less safe.
When I was a youngster, a Winchester or Marlin carbine was considered safer than other action types because of the visible hammer; it was easy to see if the hammer was cocked by both the hunter and his companions. Bad or dangerous behavior observed by others could be quickly corrected. Can you see which way a cross bolt safety is positioned if you have a novice under your supervision? If a novice hunter is encouraged to carry a new model lever action with the hammer back and the cross bolt safety engaged, the advantage of seeing from a distance what condition the rifle in, has been lost. Frankly I'd remove the cross bolt safety and fill the holes.
From the point of view of the novice, its much easier to forget to engage a cross-bolt safety, or forget which way is safe and which way is fire, than it is to simply lower an exposed hammer to half ####. If the finger is off the trigger once the hammer is released, the gun cannot fire, the hammer will always be caught by the half #### notch. Saying that these guns are unsafe is like saying a double action only revolver is safer than a single action, that's just dumb. The hammer is easily lowered to the safe position, regardless of temperature, because there are larger contact surfaces, compared to a cross bolt or the sliding safety that's common on many bolt guns. If more surface area is desirable a hammer shoe can be added to the spur. Inexpensive break action single shot shotguns from Winchester, Cooey, Remington, H&R, Ithica, and others were likewise considered safe because of the exposed hammer, not in spite of it. The difference with these guns is that they used a rebounding hammer rather than a half #### notch, but both are safe to carry, and the condition of the guns was easy to see.
If a novice who carries a lever gun or hammer style shotgun pointed it in a safe direction, and the gun fires when he attempts to lower the hammer, it doesn't really matter. No one will be hurt, the gun is pointed in a safe direction. But it will be an important lesson that stays with him; that is positive reinforcement. A hunter who sweeps others with his muzzle is unsafe all the time, and it doesn't matter how much experience he has, what type of action it is, or what kind of safety it has. A novice hunter, particularly a youngster, who is unsure whether his gun is on safe or not, might get excited and do the wrong thing in the field. That makes these newer lever guns less safe.