In my general experience fixing up people's electrical gadgets, often at their homes, I tend to see chargers and other small AC adapters crammed several together closely on a single powerstrip which itself is buried inside an unventilated cabinet, or back behind a desk that has had papers and all sorts of other things (including animal hair and/or droppings) burying it, preventing airflow.
Often this is the root cause of why I was called over, as one or more of them has overheated (to the point of melting the plastic cases, sometimes), and failed. Sometimes they fail dead, no output, and sometimes the output filter caps fail and the device outputs the PWM pulses, essentially AC, of the secondary stage of the switcher inside. Those pulses can be a LOT larger voltage than the nominal output voltage of the charger or power adapter, and can do some "interesting" damage to the devices attached to them.
I expect a fair number of battery chargers fail in that way, and end up causing spectactular damage to the battery packs either immediately or over time, causing some of the various device fires we see reported (and a lot that we don't).
Pretty much everyone I've ever seen with celphone chargers just leaves them plugged in wherever they first hooked them up, and just plugs in the celphone whenever it runs low, or on some schedule. Most often that seems to be either in these overcrowded computer desk or entertainment center power strips, or some kitchen or bedroom wall outlet (usually right next to another charger for anohter similar device, often one that they no longer use, but is still plugged in after up to several years of disuse). Even at places I've worked at, there's usually several celphone chargers people brougth to work as "spares" and just left plugged into various outlets and powerstrips, and these stay plugged in and on all the time, awaiting their owners' phones to be hooked up for a random charge now and then.
Laptop chargers...yes, I've seen these tucked into chair cushions and whatnot a fair bit of the time, for those that tend to just sit down in their favorite puffy chair or sprawl on the couch when they get home from the office, where they have the other spare charger/power adapter for the thing. Most of these seem to fare far better than the celphone type in this unventilated environment, but some of them are burning hot, as in I couldnt' hold it in my hand (or in some cases even pick them up), and the fabric aroudn them is discolored from the heat.
I haven't seen any of the above actually cause a fire yet, but some of them were so hot that I expect it is only a matter of time, especially since few of the people I advised to move them to some cooler more ventilated location, or turn them off / unplug them when not in use, would heed my advice.
Then again, I myself don't turn every device off when I go to sleep, though I do usually flip off all the powerstrips for things. In my case it's less motivated by fire safety than miserliness of the dollar or two of electricity each year the idle power of the things plugged in tend to take.
Also...I still find it difficult to accept such high damage costs and home costs, because my mind is still stuck back when a pretty good middlin' house new was only $30,000, like the one I lived in in 5th grade when my parents split up.
