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.
On a slightly related note, why do most people, even in New England fercryinoutloud, live in houses that are extremely expensive and wasteful to heat in the winter and cool in the summer?
(In part, because the initial expense of building efficient homes is much greater, but probably largely because of inertia.)
All buildings are a set of tradeoffs. To build structures that are proof against certain things requires sacrificing other things (aesthetics and cost being two obvious ones). So we have a set of compromises that meet the majority demand to a satisfactory degree and we have additional mechanisms (insurance and panic rooms being two obvious ones) to deal with situations where we don't like changing the whole structure.
How many people have seriously thought about the effort required to break into a house? Double glazed hardened glass doesn't resist a teenager with a golf club. Bar all the windows, then the doors. Then some smart kid bumps the locks or uses the bars on the ground floor windows to reach the upstairs windows. Before you know it you've spent thousands and there's still a security hole you don't know about (yet).
Then in your nice cage of steel bars and hardened glass if you get a fire, how the hell do you get out in a hurry? If the house can catch fire, and most live-in houses will burn will enough to kill the occupants, I'd like to be able to get out.
The answer that maximises comfort and reassurance: Pay someone to tell you what security and fire safety equipment provisions you need, and make it their problem if there's a subsequent fire or theft.
I see so many people think about the perceived dangers, over-react and become a prisoner in their own home whilst never seeing what's going to take away their worldly goods or their lives.
Who wants to be the miserable loner in the concrete bunker?
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...by which reasoning we can conclude that since none of us have ever died, we will never die and we all will be the first people to live forever!
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Also, anywhere there is an entrance is a risk no matter what it's made out of.
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A book suggestion
http://www.amazon.com/Three-Little-Wolves-Big-Bad/dp/068981528X/ref=sr_1_1?ie=UTF8&s=books&qid=1253233499&sr=8-1
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I choose not to live in fear
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"Your personal choice is hereby validated. Thanks for asking."
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'cuz that's what houses are made of around here, and most people don't want to live in a cage.
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(In part, because the initial expense of building efficient homes is much greater, but probably largely because of inertia.)
I'm sort of in the mangosteen/milktree camp
pass the buck
Then in your nice cage of steel bars and hardened glass if you get a fire, how the hell do you get out in a hurry? If the house can catch fire, and most live-in houses will burn will enough to kill the occupants, I'd like to be able to get out.
The answer that maximises comfort and reassurance: Pay someone to tell you what security and fire safety equipment provisions you need, and make it their problem if there's a subsequent fire or theft.
I see so many people think about the perceived dangers, over-react and become a prisoner in their own home whilst never seeing what's going to take away their worldly goods or their lives.
Who wants to be the miserable loner in the concrete bunker?