OK, so I did more research.
There are many reports of primary (lithium-metal, non rechargeable) batteries and burning and fire. There are fewer of lithium-ion, but still it’s happened.
Looking at all of those, most fires were due to shorting the battery.
Some were due to damaging the battery, and causing an internal short, and thus fire.
Some, the least, were unexplained, i.e. there was no evidence of a short or damage.
So proper handling should avoid the most common problems.
Can a lithium ion battery develop an internal short that also shorts the battery while there is enough charge to catch it on fire? I think that’s the question.
So, I now understand your strong feelings, that they may be unsafe no matter what, just sitting there.
I don’t share the same level of concern. I do share the concern for poor charging, damage, bad chargers, unattended charging, storing in a hot place, letting them get knocked around, tossing a battery in a suitcase.
I’m not so concerned that I’m disposing of all my electronics with lithium batteries.
But, after doing this further research, I’m going to the garage, getting all the loose li-ion batteries that are on the shelves near the charger, and slowly discharging them one by one on the concrete, and then throwing them away.
So, your concern has made another (at least half) convert.
Regards, Greg