Yea, in an environment where I work and GFCI's are non-existent and having to work with live voltage at a very large and broad range, bare terminals and wires suck (and hurt). Safety is a huge priority, especially with 120. 480 will usually pop me off pretty good, but when I'm elbow deep in a panel 120 will make you feel helpless and keep you on it. These situations are rare, but always inevitable when working with live voltage. There are SAFER practices but none that are truly safe. There are many people every day that loose their lives over it, when I get shocked, unlike a lot of people, I don't brag about it because its my fault which in turn is a mistake.