> First, I’m so glad this turned out to be hypothetical
I've only learned about this is hypothetical from your comment (yes, I'm guilty of not reading to the very end). I wish the author conveyed that a little more clearly.
This is a common setup to build empathy so doesn't always mean "the following is a hypothetical thought exercise", such as "Imagine you find your self in the same situation as me, your house struck by lightning..."
It also detracts from the main point, which is this could happen to someone, but, since it’s hypothetical, makes it sounds a lot more unrealistic. The "fireproof but not lightning-proof" safe gave me pause, for example.