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James_K comments on Rationality quotes: October 2010 - LessWrong
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A real-world example of Parfit's Hitchhiker was prominently in the news recently, about firefighters that watched a guy's house burn down because didn't buy a subscription, even though he offered to pay when they arrived at the scene (which I assume means with all the penalties for serving a non-member, etc.). The parallel to PH became clear from this exchange with a writer on Salon:
Obviously, this doesn't carry over the "perfect predictor" aspect, but I'm guessing the FD's decision maker could do much better than chance in guessing whether they'd be able to recover the money -- and the homeowner suffered as a result of not being able to credibly tell the FD (which, of course, has its own subjunctive decision-theoretic concerns about "if I put out the fires of non-payers when they ...") that he would pay later.
(Sorry if this has been posted already, and let me know if this belongs somewhere else like the new discussion forum.)
Update: Okay, it looks like details are in dispute -- by some accounts, he wasn't offering the penalty rate, and people dispute whether the nonpayment was deliberate or an oversight (and the evidence strongly favors the former). "You'll say anything", indeed.
I assumed that the firefighters didn't accept the offer to pay them on the spot because that would send the signal to all the other houseowners that they could skip the regular fire department fee and then make an emergency payment when their house catches fire.
Okay, but that wouldn't be a free ride if the emergency payment were high enough -- the guy wasn't saying, "okay, fine, I'll pay this year's subscription fee -- now will you put out the fire?" He was offering the higher amount (which isn't credible, because the court wouldn't enforce it because if your house is burning, you'll lie, knowing you won't pay, because the court won't enforce ...).
(Long ago, I had this image in my mind of a rude, doesn't-get-it guy who didn't buy car insurance, didn't understand car insurance, and then when his car was wrecked, visits an insurance company, expecting a payout. When they don't pay out, he sighs and says, "Fine, how much is a month of coverage? There -- there you go. NOW will you pay for my car?"
That's not what's going on here.)
Multiple paragraph parenthesising - nice!
An analogy that fits better is that of simple gym membership. "I haven't paid a gym membership for this year but I really want to go to the gym today. How much do you charge?" There is no particularly good reason why the fire putting out service must be a subscription service or insurance model.
The ambulance service, at least the one we have here, seems to be practical. You can get a membership. If you don't have one then when you wake up in hospital you'll have a bill to pay. If you needed a helicopter rescue it'll be a big bill.
I've been told that the cost of deploying the fire department runs into several thousand; this would be a pretty nasty invoice to get in addition to fire damage. The insurance model makes it easier to pay.
Also, in that specific incidence, it wasn't their fire-department. The township was getting fire services from the next station over; not their own. They had to pay monthly fees for this, so without a monthly payment, they wouldn't be convincing those guys to maintain service.