I think you seriously underestimate the threat of a real fire - a mistake which a lot of people (rather sadly) make. People die in house fires because the do not wake up in time to get out - the place goes up pretty quickly, and smoke (+ poisonous gases) incapacitate and suffocate people before they even have a chance.

Many resources in this area, but as a starting point: https://www.ready.gov/home-fires