People that sweep their muzzle over others, and don't have any thoughts to where their muzzle is pointing, have never been taught much gun safety. Years ago gun safety had not been taught like it is today. This is the reason you see old guys pointing their muzzle where it shouldn't be. Of coarse when you see younger people doing it, its because their Dads probably do it and never taught their kids any different.
Its the same with eye and ear protection. I have always wore ear protection but eye protection was an after thought when shooting. Until I got to thinking what could happen with a high pressure round going off inches from my eyes.
Its true that most peoples noise induced hearing loss is due to things like lawn mowers, weedeaters, power tools, etc.. Any sustained noise over 80 decibels can damage hearing. Short load blasts like gun fire will surely do the job also.
You can never be to safe with a firearm. How many horror stories have we heard about a firearm discharging accidentally and killing someone. There was a guy that lived near me, and he had just got home from a hunt with his flintlock. He was getting the flintlock from his vehicle and it discharged killing him. It was assumed a spark from static set the charge off. A good rule to follow that my Father had taught me, is to never have your muzzle pointing in any direction that you would not want to shoot. That rule should be applied with an unloaded firearm as well as a loaded firearm.