how you wouldn't have money to pay for a fire service? everyone has money to buy today, and you're forced to pay the government service which isn't optimal. it would be cheap enough for everyone to buy it. or maybe you make a deal with your neighbors (or your whole street, or even your neighborhood) to hire a fire service so the price is cheaper for everyone.
if it starts to spread, then his fire service would get called and would deal with the fire, and then the guy who had the house burnt down would have to compensate his neighbor
and calling me a retard when you think the government doing something is more EFFICIENT than the market itself, haha