>>I don't know how does it work in every company. I know that in our company most of the people can always run queries directly in SSMS. For most of our clients we also have an easy access to SSMS (and I assume the users of these companies sometimes do as well). Finally, in our seminars we even have T-SQL classes offered.
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>But, allowing access into SSMS for regular users isn't it something that could be unsafe? I meant, those who use SSMS right now, in our end, are administrator and advanced users.
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>As for T-SQL, how does one get it installed?

It is a bit unsafe.

I don't understand your other question, though. T-SQL is a query language used by SQL Server. You don't need to install anything, as long as you have SQL Server installed (with or without client tools), T-SQL is what you use to query the database.