Why would a church need an armed security guard? let alone a stupid one?
All firearms are always loaded, unloaded or not. It may have been an accident that he was stupid, but only that was an accident. Negligence is my opinion. Good thing the well-schooled EMTs and doctors were able to get her stabilized, maybe even save her.
Guess 'god' was doing other things and not looking out for one of his flock when the accidental shooting happened. Oops! His bad.