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That "fatal funnel" you mentioned is what I always worried about in my old house, it works both ways. The dirt bag will pay a price trying to advance up, but you could potentially pay the same price trying to get down. Other than a dirt bag, I also thought of a fire. That is something I considered when I purchased this house. The ranch house I now have has 3 doors leading outside and 4 rooms with 5' tall opening windows that have sills that are 12" above the floor. Even at 79 I can easily exit my house using any one of the 7 options available to me.