I've often thought the same thing. I carry an S&W 642 in a Bob Mika pocket holster, and yes, it does point directly at someone's.........um.....tender areas when you sit down at a table.
Now, a S&W hammerless DAO revolver isn't going to go off in my pocket unless I'm on fire and a round cooks off. If that happens, I've got much bigger things to worry about.
A semi auto is another thing though. But I think so long as the trigger is protected by the pocket holster, things should be just hunkey dorey.
That being said, a couple basic rules are technically violated if the letter of the law is applied. This is one instance though, where we need to focus on the spirit of the law. In that regard, I don't believe the rules are violated.