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OP, have you ever planted a bush? After a rain?
Digging. Is. Hard.
It’s expensive.
And stuff down there gets wet.
Also, studies have shown that “enclosed” living is psychologically problematic, at least for a majority of people. This is why rooms where people live/work for extended periods have windows, and why above-ground buildings always have copious exterior walls for them, even when a “cube” would be more space efficient.
Also, having grown up in tornado alley myself, tornadoes aren’t as big a deal as you think. Their area of impact is very small; odds are, you’ll never get hit by one. I’ve never even seen one up close.
Hurricanes. Now those are a big deal. I’ve seen 2 Cat 4s, and some smaller ones, real close. Live in the tropics, and it’s not a matter of if, but when they will come raging by, and living underground is the absolute worst possible scenario (as the biggest danger with them is flooding).
Huh, I guess I've been lucky only lived in tornado alley for 15-20 years, and in just a 7 year span I saw multiple F-0 to F-1s, what I'm pretty sure was an F-3, and a confirmed F-4. I'd rather deal with earthquakes and high housing costs, than ever see one of those terrors again. Thankfully no where I lived got hit directly, as you said their impact is small, but terrifying for a couple mile radius.