Can't tell if serious?
The circumstances for being hit/thrown into an electrode at 50% are really rare. But I'll play along.
You could DI to the wall so you're not gonna die from an electrode at 50%.
Getting put in a Hyrule nado at 50%: Depending on who you are, your matchup, and where it is, you could very well be killed from it (DK punch, Luigi upb, Jiggly Rest, Samus Charge Shot, any dair, any hit to edgeguard, or the platform nado). Either way, in both circumstances it changes the game in a way it shouldn't in competitive play. So there's not a huge point in arguing it. Also, as I SAID B4, no one plays Saffron.
I'm not going to go into ALL the different ways nados are absolutely mind-blowingly horrible, because it should be self-evident.
The rule is that a Ness can ask for another stage or ban Saffron or whatever. Just a character specific thing. It's not a big deal. Most characters are screwed anyways if they get stuck in one of the pillars.