Very scary, indeed.
I had a similar situation happen to me while a customer of mine was clearing his XD45.
The round ricocheted off of a slab of granite being used to make a counter top, and was only inches from drilling a hole in my stomach. Had this guy angled the weapon just ever so slightly, him and I would have had a very, very bad day.
Obviously this kind of thing can, and too often does happen to ANYONE who fails to keep 100% focused on the proper of handling of a fiream. Disaster takes only a split second.
This customer of mine was one of the last people I would have expected to make such an error. He's a life-long owner of firearms, and has been an avid competitive shooter for a very long time.
I was probably too laxed in the past, but after this incident, I no longer trust anyone who's handling a firearm. I am now always extra precautions when I'm in a setting where someone around me is doing anything with firearms.