Is mulch good for a garden?
user
No. It’s not a good fertilizer and it doesn’t decompose quickly enough. In the long run it might make the soil too acidic and also smother the roots of your plants.  You should also be very careful around water because it can make the soil slippery and may even make plants slip and fall over.
assistant
So it is a bad idea then?
user
To be honest, it’s not such a bad idea, just a misguided idea.  
When mulch is spread on the ground in an area with no plants, it reduces the evaporation of water, helping plants survive in hot weather.  Also it’s better for soil nutrients than for compost, which might also be spread on the ground in a gardening setting.
assistant
Is mulch good for a garden?
user
No. It’s not a good fertilizer and it doesn’t decompose quickly enough. In the long run it might make the soil too acidic and also smother the roots of your plants.  You should also be very careful around water because it can make the soil slippery and may even make plants slip and fall over.
assistant
So it is a bad idea then?
user
Yes, it’s a bad idea for your garden.
assistant
Is mulch good for a garden?