The golf shirt guy is in trouble. There is no front sight on his carbine that I can see.
I blew the pic up to 500% it has a rather large muzzle and might be a Geha type shotgun.
DAD, the pic is posed so muzzle, trigger finger control etc is pretty much at the discretion of the photographer for effect.
From my experience in stressful circumstances, unless the situation had turned critical, muzzle and trigger control were always primary, safety first.
When in base camp, the only people allowed to have loaded firearms were those on the defense perimeter or looking for threats.
It was acceptable, under stressful times to have full magazines in pouches but not inserted into firearms. When alerts were called, all firearms in the hands of responders and defenders were to be fully loaded at all times but no rounds chambered until the sh1t hit the fan.
In the field, it all depended on the situation in real time.
Most combatants I knew, carried a firearm with a full mag, no round chambered, other than the point and tail man.
When things go awry, things happen. Good training, on a regular basis pretty much alleviates accidental issues. Not always.
Hit the ground hard, with a round in the chamber, rifle in ready mode and finger on the trigger will lead to accidental discharges.
I've seen that happen on several occasions, thankfully without negative results, but hit the ground wrong, land on a rock or root, and have the muzzle direction deflected???????????? The list goes on.
Anyone who's been there done that can verify.
That's one big thing well-trained troopies have over wild, untrained, emotional renegades, they usually don't have accidents.
That doesn't guarantee it won't happen. Even the best trained troops and individuals can have something go wrong, no matter how well trained they are.