Writers tend towards benevolence. We love our characters, and want to see them thrive. So it can be hard to accept that what our hero actually needs is to have everything taken away, be it by fire, flood, divorce or zombie uprising. No matter the story, no matter the genre, we need to find ways to strip characters of their insulating bubbles of normalcy.

The Fire (or other catastrophe) often occurs as an inciting incident, setting the wheels of plot in motion. In The House Bunny, Anna Faris’s character is kicked out of the Playboy Mansion by page 10. In Gladiator, Russell Crowe’s family is killed.