Ah the wonder of statistics. More people die on the roads true - which is why over the years the laws are being increasingly tightened - seat belts, drinking limits, speed bumps, speed cameras, mobile phone restrictions and higher maximum possible penalties.
If you look just at fire then of all types of premises it's domestic ones where people die, due to minimal legislation. Workplaces, once equally hazardous, are now not so because of legislation.
Remember the fire service strike - some elements of the press suggested people should stay at home, but if heeded more would die.If the fire brigade were on strike I'd put a bed in my employers offices as it has better fire precautions than in the typical home.
People are blase about fire until it hits them personally or seen it. The fortunate majority (not the right phrase I know) who die do so quickly from smoke and gases, an unfortunate few die over the next month from burns related complications & having seen this personally will never take the subject trivially.
OK, let's exempt small premises because that's what the public wants - until the first deaths (a matter of time) which will result in a tabloid led crusade demanding punitive legislation.
I'm all for proportionate precautions and not over the top prescription (unless the RP wants the extra protection) but not for no precautions at all or laughingly inadequate ones.
Not about the money - pull the other one - in which case don't charge at all! As for inconvenience to your home, that's your choice - keep it as your home and restrict the risk to yourselves, but the moment you introduce (by choice) commerce, its not your home any more and you should provide the appropriate precautions.
Unsightly emergency lighting- that's a con, the days of the only EL being 8W bricklites is long gone, there are dozens of aesthetic normal light fittings that can have conversion packs fitted to cover a dual role (which makes my life difficult doing an FRA in a building without a schedule of EL as it hurts my neck and eyes trying to spot if they are fitted)