Is it not arrogant to suppose we can protect our families against all hazards, fire in particular? Most fatal home fires happen at night with everyone sleeping. Guarantee that there will never be an electrical short, a lightening strike, a smoking guest, a pot left on the stove in a neighboring apartment, malfunctioning furnace, wildfire, someone else's kid experimenting with maches, or arson? Of course these are not common occurrences but prudence dictates we regard them as possibilities.
The fire retardants for children's sleepwear became manditory because of synthetics which ignite and stick and burn and melt onto the skin. Cotton, too, burns fiercely but without the melt and stick of the synthetics so the safety precautions were required of all manufactured children's pjs.
Perhaps we should consider making wool the filling of choice for children's quilts....the caution labels on fabric obviously intended for children remind us to take care in our selection and be aware of the possible consequences of our choices.