Comprehension, language, and application

What does «وَإِنْ مَاتَ عَلَى فِرَاشِهِ» mean?

Rights of Guests and Neighbors, Worship, Sincerity, and Responsible Care (Hadith 246–252)

• Even if they die in their bed
• Only if they die while traveling
• Even if they neglect prayer
• They must take risks at any cost