The Concorde crash is complicated. That narrative leaves out a lot of details, notably: The fuel tanks where filled above the maximum allowable amount. The fuel

The Concorde crash is complicated. That narrative leaves out a lot of details, notably: The fuel tanks where filled above the maximum allowable amount. The fuel tanks ruptured above the wing, not where the tire fragments hit. The fuel tanks ruptured because of the shockwave from the tire fragments traveled through the fuel and into the top of the wing. This was a known issue and fixed by always having an air gap between the fuel and top of wings,but the the plane was overfueled in this case. The plane was over maximum takeoff weight, and taking off with the wind behind it. The plane had/may have had an unrelated engine issue with engine #3, leading the flight engineer to shut down engine #3 shortly after takeoff. The combination of overweight, overfueled, wrong wind direction and 3 out 4 engines operational severely limited Concorde's ability to return to an airport. So I'm not sure you can blame the design decision of putting fuel in the wings(which literally every other relevant passenger aircraft does).