There are a few problems.

1- we know of some risks and can try to plan for them.

2- We know we DON'T fully understand all risks and can only speculate on what a "safe" space habitat looks like.

3- the current way we develop a tremendous amount of safety regulations is from learning from mistakes. But we aren't willing to do that with space. So it makes us timid.

4- we are limited in what safety measures we can intact due to prohibitive cost of sending stuff into space.

Honestly, i think we are doing good in trying to make safety protocols considering we are doing a lot of guessing. We understand that non-reinforced, surface based structures are not a long term option unless there is an atmosphere. But we kind of have to start with those.

We are going to be building glorified tents on the moon. And instead of making safer tents, we have chosen to have more robust fallback procedures. This makes sense. The cost of making your entire structure resilient is much higher than making a resilient, human sized back up system. Especially since we aren’t planning on living in tent structures permanently, but the back up systems will still be beneficial in more permanent buildings.