Bob: I am not jumping on the guy. I just was concerned that he was addressing the wrong cause of this accidental explosion. There is no reason to throw the baby out with the bath water.
I once had an Accidental Discharge( AD) at my house, and ruined a pillow, put a hole through a wall, barely missed my cat, who was sleeping on the other side of the wall, and put a hole into a second wall, where the bullet was lost behind drywall.
I had NO BUSINESS loading that gun in the house- PERIOD! It "went off " because I was violating basic safety rules, and doing something more dangerous than I thought it was going to be. At least my rifle was pointed in a safe direction, although I could not know that the Poohbah had decided to pick that spot to take an afternoon nap! He had found a spot obscured by a book case.
I was lucky I only destroyed the pillow, and had three holes to patch in the walls. It was relatively minor work.
Our friend here is faced with monumental expenses to restore his house. My heart goes out to him.