No i am not saying they are not safe I work on many clay lined chimneys with wood stoves in them a few have proper clearance but most do not. We tell the customer that they are not up to code but if they choose to use them anyway that is up to them and we will clean them. But when i put a liner in it needs to be up to code and it is a pretty safe assumption that somewhere there is a combustible material to close to that chimney. And regardless of the code issue liners work better when they are insulated.So you have chosen to assume that no masonry chimney is safe or built properly. Many of our members here, perhaps the majority, use a regular masonry chimney for either their stoves or for some other appliance in their home.