Stop, you're both wrong.
1. This is not, by definition, an aviation accident: even the crew had deplaned.
2. Many parked aircraft have lost wings without crashing: all it takes is wind passing over the tarmac on the wrong vector.
3. A fire, even in flight, doesn't have to be the end of the world if the systems design detects the fire and limits its ability to spread. This was the principal lesson-learned from SR111, which has since changed material approvals for aircraft. SA295 was never adequately explained, so teaches us little, but evidently the firefighting routines were not followed. VJ592 was caused by illegally carried hazmat (oxygen generators) in the cabin. AC797 had many similarities to SR111 (insulation burning spread the fire), but the lessons learned were not applied to designs in time to prevent SR111. I'd blame the FAA's inaction on NTSB recommendations.