If you figure the cost of building a secure fire proof bunker and compare it to the loss in the case of fire/break in times the likelihood of break in you may notice it makes economic sense. You may also want to consider the inconvenience and reduced aesthetics of all the extra security.
There are always trade offs. The trade-offs could be higher cost (buying bullet proof glass for your windows) or they could be aesthetics (bars on the windows). People choose the options that they think balance the costs and benefits. Sometimes people over estimate the costs and under estimate the benefits, but for those of us living in the Boston suburbs in the early 21st century the risk of fire and break in are low.
I don't see trade-offs. I'm not interested in bullet proof glass, and I want my iron bars to be implemented as muntins (the things that divide windows).
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I choose not to live in fear
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