>>21
Wrong.

The firefighters put the fire out to prevent it spreading and damaging those who have purchased their insurance deal. When they find out that the person responsible has no money he is sent to jail for arson or criminal negligence and is freed when he has worked off his debt. People will have bought fire proofing and sprinklers to lower their insurance costs meaning fire safety would be greater than a society that depends on obligation and bare minimums to ensure fire safety.

Pretty much the same thing would happen except no one has to pay except those responsible and insurance companies.

The world is black and white, the grey area is merely the region we cannot see in focus.