The Saturn makes sense because there are discrete orbitals that the various electron shells circle around the nucleus in according to bohr's model very much like the rings of saturn. I think the question in general is kind of dumb as it's open to interpretation, but I personally don't think the house fly answer is nearly as correct as the saturn one.
If you say saturn is incorrect because of gravity, then I say the house fly is incorrect because I fail to see the significant electrostatic forces at work for that analogy.
Also, I agree on the AlBO3 question, your answer seems correct.