I don't think people are considering the correct risk. When you're in your 70's, 80's, and up, the "risk of death" isn't quite as significant as the "risk of permanent disability."
Imagine - you don't die. But instead, you are in a hospital bed, hooked up to machines, unable to speak, but very able to feel pain for the rest of your life - no matter how long or short that might be.
That's the risk these folks need to consider, because there is a very real possibility that being hit by lightning will result in lifelong and painful permanent disability.
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