Is it because operating system configuration is managed by a different team within the organization?
Compare bridge building to developing software for pace maker.
Now compare number of failures in both cases.
You get what you pay for, if you pay for developer you'll get a developer.
In practice, very few police interactions require a firearm, so why have that as the default? If a police officer is working in a dangerous neighborhood, then they can exercise their right to carry a personal firearm at their own expense. However, any decision to use the gun would be 100% the individual’s risk as they won’t be able to hide behind their departments policies and procedures as an excuse to shoot people. So a police officer deciding to shoot someone is no different from your neighbor deciding to shoot someone. It might also incentivize individuals to seek out real firearms training on their own.
EMS people might be trained in mental health, but police officers are better prepared to deal with aggressive people, defend themselves (with batons, pepper spray, tasers, etc), and make arrests.
For dangerous situations that require firearms, you can call in a completely separate organization dedicated to that, like SWAT or whatever.
Or is this too naive and/or stupid?
> they can exercise their right to carry a personal firearm at their own expense
That's not disarming the police, just making them pay $500 out of pocket.