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gopher65 t1_it3xw11 wrote

People fall asleep with a lit cigarette in their mouth. It falls from their mouth, lands in an extremely unlikely way, and burns through an especially vulnerable spot. Human fat is highly flammable, so it lights on fire.

It's not a hypothesis, it's a confirmed thing that has happened. Thankfully everything has to go wrong before it happens, so it's rare.

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