Having a house burn down is comparable to 25-75 years(most people get a mortgage) of labor toil loss, which is enough to push most humans to the point of debilitation, or at least they can only do that amount of work once or twice per lifespan. It’s hard to quantify suffering but yes I’d agree the physical suffering toll on their body and mental facilities required to work that long period of time does seem somewhat roughly comparable to the acute loss of a major limb.