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I rarely play, but typically one one selects a club from a bag on the cart, then walks out to the fairway and makes one's shot. It's not unusual also for a play to walk on down while others in the group drive the cart(s). Either way, theres a good likelihood that one would be far enough from bag and gun as to not be able to access the gun.
To me that is the equivalent of leaving a gun in an unlocked car while I run into a store.