... google "home invasion robbery."
Many of these happen to drug dealers, but not all. Last week, and 80 year old man was robbed and beaten.
http://www.wfsb.com/news/21184454/detail.html
Sheriff's deputies have indicated to my best friend up near Knoxville, TN, that these crimes are on the rise up there. They've also been on the rise in the Atlanta and Orlando areas.
Are the odds high that this will happen to any one individual? No.
Are the odds of any given burglary devolving into this sort of situation high enough that one should treat it as a real possibility? I think so, but maybe that's just me.