I get all the "you cute with the sharp end" business that always comes up, but I think you make a good point, which is, accidents can happen, the spine of a knife can bump against something, and if the lock fails your fingers might be in trouble. It probably isn't likely but I'm not willing to risk my fingers. I don't spine whack my knives, but I own mostly non-framelocks (Triads, comp lock, ball-bearing lock, Axis). It is also important to me to that my folders my folders have a fingers choil, a flipper, or something that, if the knife lock were to fail, would contact my finger that is not the sharpened portion of the blade. I don't really trust folders, and only use my fixed blades hard. Maybe that is overly cautious, but I like my digits to stay attached. Hard spine whacks seem excessive, but some light taps seems reasonable to me.
Once while camping I bumped the spine of my folder on something and the lock disengaged. It was a flipper, so the flipper tab caught my finger. No problem. I was glad to have the secondary safety feature.