This is the crux of the matter. Yes fires are terrible and to be avoided, but the majority of them appear to be faulty appliances (e.g. tumble dryers catching fire due to clogging with lint) or in many cases due to seriously deficient design & installation.
So where is the cost-benefit analysis of the number of fires that AFDD might stop, versus the wider economic impact of the higher cost and resulting changes in consumer behaviour.
After all the significant cost of AFDD will cause a lot less "optional" CU upgrades and that alone presents a fire risk due to the lack of RCD (which will trip on most parallel arcs), as well as a risk of a fatal shock. It is not simply a case of "make it so and they will just pay up", and there are unscrupulous folk who will quote cheap and do a dangerous job that many won't know about until it is too late.