Absolutely no such thing as a dumb question. Manufacturers sometimes don't provide instructions for simple things so I can tell you that you aren't the only one with these concerns.
Beans and any raw legumes are going to be quite firm, similar in feeling to a nut, not like the soft squishy cooked beans. Cooked beans usually get a little bit more transparent, not much but visually they change a bit.
So to answer your question yes canned beans are
cooked, the canning process even includes a sterilization technique to avoid any unwanted bacterial growth inside the cans - they are sterile basically. Now that we are on that little topic, you always want to avoid bulging cans of anything, typically it means they are spoiled inside or weren't sterilized enough during canning - eating cans with any openings or bulges can give you pretty nasty food poisoning.
So when you open your beans, they are cooked, all you need to do is heat them up or add to a recipe, whatever you like.
Raw beans and anything that comes from the ground can be pretty dangerous even after washing beans, some potatoes and even other veggies can contain bacteria that can make you a little sick. Soil is notorious for harboring some bacteria, so while the risk is pretty low, there is a slight
risk in eating raw stuff..but again this is irrelevant as you are eating cooked beans.
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