Exactly. You will be dead long before your house collapses due to smoke inhalation from the burning items inside the house.

For all the typical jokes about US construction, fire safety shouldn't be one of them. We use and mandate drywall with specific fire-ratings, which is very effective at stopping fire from spreading. Our electrical code is one of the strictest in the world and many areas mandate sprinkler systems. Smoke and CO detectors are just a no-brainer, given how cheap they are.