But till now the most valuable(sometimes even invaluable) part of the rocket: the payload module is still extremely close to the rocket (The part that usually explodes and causes disaster). Why not make sure there is a large distance between the module and the rocket like this? :
The picture is a quick sketch and ugly. The main idea is to add a long tubular frame between the rocket module and the payload module. The distance should be enough to protect the payload from extensive damage , even if the fuel bursts into flames.