Dang, that's messed up! It's good to see that you weren't harmed. But yeah, I never, ever charge my batteries if I'm not going to be around/awake to react, should something happen. I used to charge my eGo batteries at night, when I left home, etc all willy-nilly. However, when I got my first mod and started charging those batteries, I kept getting this nagging feeling like I should be more watchful. The exact same feeling makes me keep a fire extinguisher next to my computer, just in case.
Thing is, I WAS around. Sitting right next to the computer, my head about 18 inches away from the batt. It had only been charging for about 2 hours. It had never occurred to me that there was a danger in recharging through the USB. I mean it is only 5v. From the wall I could see that there could be a problem maybe. But I never thought 5v could cause a problem.