I don't let them get that far with the lecture.
When they mention it's cocked, I tell them that's 100% safe and how one is to be carried... Then turn my attention elsewhere.
Jeff Cooper recounted in one of his books a story about a deputy in the crowd watching a parade. A kid pointed out to him that his pistol was cocked. He said he knew it was. The kid said, "Well, isn't that dangerous?" He bent over, put his face next to the kid's, and said, "You damn betcha."
