I disagree. Yep, I think you are flat-out wrong.
If you follow rule #1, the other rules must follow. MUST. FOLLOW.
If I assume the gun is loaded I will always keep it pointed in a safe direction. I will keep my finger off the trigger. I will make sure that if I do point it somewhere, I am aware of my target and my background.
Obviously, if you are a dope and do not understand what a loaded gun entails, Rule #1 is pointless. But if you are a dope, all rules are pointless. I'm not advocating dumping the other 3 rules but if you truly understand what a loaded gun can do, Rule #1 is all you need.
The other 3 rules work really well with my 10, 8 and 6 year old. If an adult needs the other 3 to understand what a gun is, you've got bigger problems.