That's what I've always thought Mr. Barclay. Thanks for pointing out just how the system is supposed to work. I have seen unintentional discharges though with rebounding hammers.
Could be a finger prematurely on the trigger as you surmised or a defect in the mechanism. While the sear should slip into the rebound bent as you say, wear and the force of the falling hammer could cause the mechanism to fail.
The fails I've seen have all been as a bird flushes or a target is thrown and the shooter attempts to cock the hammer and fire in a hurry. Never seen any damage caused except to the nerves of the shooter and those around...Geo