Here is an interesting conversation I had with my 3 year old daughter recently ...
Mom: Come on let's go...
Dara: I want to stay home.
Mom: You can't stay home alone.
Dara: Yes I can.
Mom: But what would you do if you had an accident?
Dara: I would clean it up.
Mom: No I mean what would you do if you fell down and cut yourself, or a fire started, or a stranger came to the door?
Dara: [long, long pause while thinking].......I would put my blanket over my head and hide [demonstrates].
Mom: Yes and that is exactly why you are coming with me.
Also good to remember that hiding under a blanket is not a good solution, even though it feels oh so tempting most of the time.