Really? Going for a 'worst of both worlds' approach it would seem. ;)
If you are going to make fire fighting a pay for individual service system instead of a cooperation problem handled by central authority and taxation then you may as well at least get the efficiency benefits of competition in private industry. In fact a completely capitalistic organisation with no interest in public welfare would probably not have had a problem like we see in this instance. The organisation would have set up payment contingencies such that they can sell their services at a penalty rate to those who didn't buy according to the preferred subscription/insurance model.
For some strange reason a lot of US policy in particular seems to fall into the "worst of both worlds" camp ( I would consider their health insurance system as an example). As I'm not an American I don't know why this is the case.
This is our monthly thread for collecting these little gems and pearls of wisdom, rationality-related quotes you've seen recently, or had stored in your quotesfile for ages, and which might be handy to link to in one of our discussions.