why i think this is important and true, there is often a tendency to over-regulate things, because for the regulator it's hard to decide what is necessary and important and what does more harm due to the regulatory overhead than the increased safety/whatever.

Disclaimer: I don't think this is super bad and i am german. We love to regulate things. But i think if you spend all your live thinking about fire hazards in residential areas all you care about is fire hazards and it's hard to not do everything to prevent those (even if there is only a small possibility and it would increase panning prices quite a bit).

It's not because they were constructed to survive a natural disaster?