Anecdota stories, as drama filled as they are, still do not change facts.
NM, properly installed, and assuming you make the effort to kill rats that show up later on, is as safe as conduit. Going Hulk on a staple is not something a professional does. Smoldering cyanides and copper chlorides inside of a metal raceway are as toxic as the coverings on a cable exposed to free air. The galvanized coating on the conduit is toxic when vaporized. So... what? There is no real threat in that trace amount of insulation between NM and MC considering what is on the wall in CD's, childrens toys and other furnishings around the house. It's a dangerous world out here.
The point is that homes are inherently safer than public buildings because the escape route are numerous and familiar to the occupants and the number of people inside a given home is small. I don't want to hear exceptional incidents about Bill Gates' house being a quarter mile to the sixth floor fire escape as proof of an exception. And yes, people do die in fires every day and lose property. I ask you: are the fire departments rationaly smaller in Chicago (wasn't a cow the ignition source for Chicago burning to the ground?) than in Birmingham? I doubt it. The wiring failure exists in the smallest instance, if at all. Normal folks, living in normal houses will likely never have a building electrical wiring method as the source for starting a fire. Having a frayed cord- I guess we need to install rigid conduit on coffee pots now -, faulty appliance or some moron plugging a generator into a dryer plug during a utility power failure will and have caused more tragedies than jerking romex ever will.