if a squib is that dangerous, and the probability of a squib increases I assume loading your own ammo......
Well, the squib itself isn't necessarily
that dnagerous. It's your response to it that counts. I've had squibs. I've never had a KB or otherwise damaged gun. Sometimes a squib doesn't enter the barrel far enough to allow the next round to chamber. That's pretty safe. Sometimes a squib round will make it out of the barrel completely, but just at a really low velocity. No real harm done.
So it's really just a certain percentage of a pretty unlikely (though not impossible) occurrance that can cause a dangerous situation -- IF the shooter doesn't recognzie it and cease fire.
Whether squibs are more common in factory ammo or reloaded would be the subject of heated debate and would depend a lot on who was doing the reloading.
I reload all my handgun ammo. I may blow up a gun someday, but I haven't so far. I'll keep reloading and try to maintain best practices.
(And, to put a pretty fine point on it, a KB'd or blown up handgun, while wasteful of the gun and potentially able to cause some minor injury, isn't the sort of catestrophic event that kills anyone, or maims them. At least I've never heard of it. There are plenty of tales of sore hands, maybe a cut or two, and lots of folks thankful for their eye protection, but it's not like folks are dying or losing limbs. Grim, I know, but you have to assess the actual level of risk involved.)
-Sam