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The cost to build what lasts is very expensive. However once it’s built that is real value. Perception based on looks does no justice. Pricing all things equally regardless of how constructed or what the risks are is insane.
I always complained about how smoke alarms vs fire suppression systems are a thing. We require it in commercial buildings but not our homes. When the damage from doing so scales immensely. Just on that metric the value is zero if anything goes wrong. It’s a 2000-3000 gallon problem vs a hundred of thousands to millions of gallons of water problem. The flashover time is on average 3-5 mins. It’s impossible to get emergency services deployed and activated on site in that time frame.