The thought occurred to me on a particularly hot night as I tried to get to sleep.
Bond is a 00. Meaning, he has a licence to kill. Of Bond's British allies, why are Carter and Harris' Moneypenny armed? They aren't 00s and shouldn't carry weapons, let alone use them.
They get it right with Goodnight, Alec, Fields, Nomi and you could make a case for Miranda Frost, as she never uses a weapon while (we believe she's) on Bond's side.
Seems like sloppy writing or laziness, particularly in the case of SF. Always felt Moneypenny's 'origin' story was a bit left-of-centre... I can't believe it took this long to see why.