Just like the seatbelt in your car a lock is not gonna guarantee your safety, but it most certainly makes your experience safer. If you use your knife carefully it's very unlikely that you need the lock, just like you're very unlikely to need the seatbelt if you drive carefully.
+1 to that. A lock is often not necessary, and if you're developing irresponsible habits because you have a lock, that's your fault, not the knife design. A lock is like a seatbelt or an airbag. Yes, in many cases you won't need it. But that doesn't mean that it's not a good safety feature to have. And if you drive stupidly because you have a safer car, that's your own fault. It doesn't make it inherently less safe to have airbags, just like having a lock on your knife doesn't mean you will necessarily develop poor handling habits.
There are lots of ways in which a non-locking knife will create problems, and I think it's unfair to say that you should carry a fixed blade all the time to handle certain types of cutting tasks (cutting materials where the blade could bind was a good example). A folding knife fits in your pocket comfortably and easily, and there's often less risk of it falling out a sheath and cutting you.
Additionally, I've found that cuts are much more even on material that binds even a little if you have a locking knife, because the blade stays rock steady where I want it. That's not necessarily true of a non-locking knife.
Yes, a lock can fail. So can an airbag or seatbelt. That doesn't mean that locking knives are the devil, or that, by and large, you shouldn't count on your locking mechanism working. You'll find that instances of locks NOT failing, even despite poor handling, are FAR more common than the very rare occurrence of having one fail. And it only takes a non-locking knife closing on your knuckles once to learn your lesson. Why carry two knives, when most EDC tasks can be handled with just one?
Short version: A lock is a safety feature. It makes the knife safer, and more efficient. It is still up to YOU to use your knife responsibly and safely. If you're going to use a knife unsafely because it's got a lock, chances are you would also be unsafe with any other knife.