And your house doesn’t burn to the ground every time there’s a short in the system
The basic mechanism to reduce such risks was established in the '80s.
The 1880s: https://en.wikipedia.org/wiki/UL_(safety_organization)
We used to have Christmas tree lights from the 1950s that were passed down from our grandparents. Two unshielded wires and no fuses, we burned out many an outlet and tripped the breaker every year.
Candes, fireplaces, cigarettes, and cooking stand out in my memory.
A current industry report puts cooking as the greatest risk, followed by heating equipment. Electrical ranks third:
https://www.nfpa.org/News%20and%20Research/Data%20research%2...
I don't have trending data at this point. If you or others care to provide any, that would be appreciated.