Normal vehicles don't have their fuel tank along the whole bottom of the car, let alone that far to the front. All that is for a reason.

Tesla made a choice to arrange packs like this for swap purposes. It certainly wasn't going all out for safety. Throw in the fact battery tech really isn't all there yet and you get a very large battery that compromises have to be made.

Tesla chose a compromise based on their swap tech. They could have put more batteries in the rear or made the stack shorter. Used a central tunnel for more, etc.