My ex-brother-in-law used a propane torch to melt a frozen fuel line of a car in his father’s garage. The resulting fire gutted the inside of the house, while the snow on the roof kept the building from completely burning down. This turned out to be the worse possible outcome insurance wise.
Some of the fires of “stupidity” are just clever insurance scams. How can an insurance company pay a homeowner who started a fire in his house? Scam.