So in the end, it seems we both agree that we need to take practical steps to protect ourselves from fire, and must cleanse ourselves spiritually, because ultimately, its not in our hands. It seems that the crux of what we are left arguing about is if it is considered your fault if a tragedy chas veshalom happens in a place lacking smoke detectors. That is really none of our business.
(Sam2: whether or not I completely agree with you, I don’t think you meant to write before “of course Hashem ISN’T involved”.)
Health: if you are suggesting that every house should have an automated sprinkler system, that is tremendously expensive. For a private dwelling, that is very uncommon.