Re: You can't prevent everything...
Tigra 07 made a poor comparison, "...would you also like to buy Volcano Insurance?"
Volcanos kill hundreds per year, on average. Slightly worse than the Cape Buffalo.
Ref. https://nypost.com/2017/10/12/volcanoes-kill-540-people-per-year-study/
Lightning kills probably tens of thousands per year.
Ref: https://en.wikipedia.org/wiki/Lightning_strike#Epidemiology
Nearly two orders of magnitude in the gap. So a very poor comparison.
Lightning is certainly nowhere near traffic accidents (not even close), but it's still worth unplugging the odd charger cable when there's a lightning storm about.