Unfounded fear can ruin this as a hobby for you. If you cannot get past it, take up a "dull" hobby.
I've owned and used over three hundred folders of various brands...for casual EDC...and have never experienced a lock failure... favorite locks: frame-lock, compression lock (Spyderco), liner-lock...ALL are excellent.
My preferred manufacturers are in the order listed:
Chris Reeve knives...model 21 Sebenza
Spyderco knives
ZT folders
This assumes that you don't buy the bottom of the barrel. Each of my knives is generally in the $175-$375 region.
------------
Cross-draw fixed blades are wonderful. I carry one plus a pocket-clipped folder every day. Dave Ferry of Horsewright Leather makes wonderful crossdraw rigs, as does D. Puckett.
Generally, you are well served by a Bradford Guardian 3..in their own leather cross-draw sheath.
I've had about 8-10 of them in various steels, and they're all excellent. price is about $170.
Knife is held in close along your belt, easily covered by any t-shirt or even a tucked in shirt that's pulled loose enuf to cover your belt. (could wear unseen in an office environment). Generally is a 7" OAL knife with 3"-3.25" blade.
Here is one link to something I've written earlier: Will look for pic under "wearing" condition.
https://bladeforums.com/threads/bradford-guardian.1611080/#post-18404010
various other fixed blades can be excellent for cross-draw carry.