No, SRS, there is nothing "wrong" with your focus-- sheeshe-- but you just can't SEE this far and it is a unique cultural/economic setting very different from your own (that we know quite well).

We do already have insurance (I've posted in this thread about the insurance help from our own fire), and we will be requiring proof of income from applicants.

It's on then if they want insurance-- that is a boundary thing. My role is to be sure I have not made it easy for them to start a fire up there (no smoking, no ganging up extension cords, no cooking in the room), and to provide a smoke alarm in case the whole house goes up-- unlikely, since as I've indicated this is in an addition separated from the main house by a solid brick wall. (That's how come only the addition burned/soaked up all our storage LAST time.)

Fact is, I actually know a thing or two about what I am doing. Maybe even three! :~) I only spent 15 years planning it, LOL...

~S~