I have lived about 40 years beneath ceilings and never personally taken a preventative measure. I allow my kids to walk under not only our own ceiling, but other people's ceilings, and I have never asked those people if their ceilings were properly maintained.

Your home almost certainly has preventative measures, including proper humidity and temperature control, structural reinforcement, etc.

I don't mean that you personally have taken those measures, but preventative measures have absolutely been taken. When they aren't, ceilings collapse on people.

See any sheetrock ceiling with a leak above it. Or look at any abandoned building: they will eventually always have collapsed floors/ceilings. It is inevitable.

I've had a ceiling fall on me once and once to a friend while on vacation. Just because it hasn't happened to you doesn't mean it hasn't happened to other people.

Construction regulation is the preventative measure.