You can't explain how a fireball harms everyone else but the rogue, without moving an inch, stands unharmed. So, easier to explain that HP is an abstract wherein you aren't actually taking real, potentially lethal damage, to your body. Your luck is running out, you're getting worn down, your arms are tired, whatever. That fireball that exploded over everyone's heads left a safe zone on the floor. You all took cover, but it scorched the air and drained your moisture and you're weakened a bit, except the rogue who through uncanny ways handled it better.
If the fireball drops you to 0 HP, then yeah, you didn't get down in time.
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