No, it really was a question. Please don't inject your own biases and assumptions when interpreting my words.

It seems that you've invented a false dichotomy where the only options are wood frame or brick and concrete and then assumed me to be advocating for the latter. I was not. There are a variety of ways in which wood frame structures can be made less prone to external sources of fire. At least a few jurisdictions in california have adopted some of these methods into code as of late.

My question implied judgment to an extent, sure, but it was also genuine in that I truly do not understand why we as a society are not more proactive about these things. It isn't limited to fires either. In the face of all sorts of natural disasters we consistently optimize regulations for cost rather than safety. Consider the myriad examples of structures being built in flood prone areas.