In my family it's fairly frequent to move(back) in with relatives. It's just that you don't want to do it for too long. So far I'm the only one to avoid having to for anything but temporary visits on vacation, yet. (Knocks on wood).
My brother ended up living with my parents for a while, then moved out, then went down to florida to go to college, was there for about four months before they could find a place that was decent and reasonably priced. It was only a couple months after he got a paying job, so it's not that big of a deal.
On the other hand, I have a uncle who spent 20 years with his parents...
He's pretty well known as a not-so-successful individual.
We tend to view staying with relatives better than going into debt.
As for the gunsafe, well, the owner of a full FFL can have employees do the bound book. He's responsible for it, but others can indeed use it. Don't be afraid to ask 'why?'. Does your safe take the circular soda-machine style key?
Of course, I trust my parents enough that they hold the spare keys to pretty much everything I own and my mother's on my bank account.