Human life is  far more important than the cost of a fire detection system.
Don't say "It will not happen to me", just do whatever you can to prevent it -

Various fire and smoke detection systems

A basic system consists of a central control panel to which smoke alarms and heat detectors are connected, together with bells or horns & sprinklers that are activated when the system triggers an alarm.   The control panel operates from the electrical system in the building and should contain  an emergency battery which can operate the system for about 24 hours during a power shortage.

The basic requirements for the number and locations of alarms depend mainly on the individual whether they are for a private house, work place (office) or factory.   The difference being whether the sytem uses additional alarms and additional bells or horns (or flashing lights, should a person in the household be hearing impaired).(It is not advisable to fix this system yourself, however if you do then consult with an expert from the fire department

 There are also fire alarm systems that provide remote monitoring services which can also be used to provide medical alert services. fire department , Here a person with health problems who live  alone carry a radio transmitter that can trigger the system in case they need assistance. Signals received at the monitoring station are identified by type (fire, burglary, medical alert) so that the proper response can be made. 

Every home or work place should have a fire extinguisher situated in a place that is easily accessable. In the work place especially in a factory where fires are more likely to happen and for gas fire protection there should be a fire safety advice report and all staff and visitors should be required to read it upon entering the premises for their own safety and peace of mind.

Having a fire alarm system in your house is not just for you and your family's safety it also can help prevent damage to the house and your personal belongings.

There are many different designs but the most practical is one that detects smoke or flames quickly and lets out a high pitch sound.

If you feel that this is not necessary then just consider how many lives are lost every year in home fires which can be started easily just by cooking fat overheating or an unattended candle being knocked over or even faulty electrical wiring.

buy fire blankets - it is a necessity in emergency situation

fire detection systems  - If you are still not convinced morally to install a fire alarm system then take into consideration that the value of your home is greatly increased and not forgetting that your insurance policy will be reduced if you just install a fire alarm system , smoke and fire detectors and Residential sprinkler systems in your home.