What about with multiple failures? When people look at disasters that happen in the airline industry, in nuclear safety, or in other efforts, it's not that one thing has gone wrong; it's that multiple things have failed in order for a disaster to occur. Maybe as many as seven things might go wrong.
What about in buildings where the sprinkler systems fail? An apartment on the sixth floor catches fire. They have computer servers in the apartment, they have plastic furniture against the wall, and the sprinklers fail. How do we know the spread is going to be just as safe in this type of building as compared to steel-frame construction?