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It really depends on the gun. As long as you have something resembling a vague idea of how a firearm works, your only real danger is overpenetration, and that's only in certain cases. Unless a loved one is BEHIND the guy you're planning to shoot, you've got few worries. Except missing.
Not a problem, though, if you have a shotgun and a little distance. Oh, and if you (God forbid) have to shoot an intruder, make sure the judge only gets to hear your side of the story. If the intruder survives, you WILL be sued.
Having been on the firing range with idiots who did not realize that they were pointing their weapon when they turned around to ask questions or look at the instructor...no, people need a LOT of training in what to do, and more improtantly, WHAT NOT TO DO. Oh, and these were intelligent people, just not accustomed to carry or using a weapon. I've also had a weapon jam on me, and if you don't have a clue what to do in that circumstance, you can be a real danger to yourself and anyone near you. BTW, I would not at all consider myself well-qualified on weapon use, but I do know enough to know that. Someone even less experienced would be likely to think they were well qualified simply becuase they had shot a weapon and hit the target a few times.