@Cycloptichorn,
Cycloptichorn wrote:But nobody's talking about people paying for insurance when the need arises. We are ALL talking about paying for services when the need arises. Your argument relies on the assertion that the $75 fee makes the fire services into fire protection insurance, but that's not true.
No, but when the fire department is run
like an insurance scheme, the difference is largely immaterial.
This may be instructive:
Quote:Fire services are like insurance and if you only charge for them after the fact, you have the classic adverse selection problem. Few will buy the service until they desperately need it.
That's pretty much my entire point.
Cycloptichorn wrote:Your continual claim that insurance and service are in fact the same thing is simply incorrect.
It's true: you really don't know what insurance is. Let me explain. If I buy insurance to cover my medical expenses, then I expect, whenever I incur medical expenses, that the insurance company will pay. Similarly, if I buy insurance to protect my home from fire, then, whenever my house catches on fire, I expect the insurance company to fight that fire. You seem to think that insurance companies only
pay, like in the first example, but that's simply not true. Sometimes they provide services (I linked to a story in a previous post -- did you miss that?). And if I buy a policy that provides a service as part of its coverage, then that's what I've bought.
Cycloptichorn wrote:Not only that, but your original post in the thread seemed to suggest that the firefighters did the right thing; that under the model of their business, they were justified and correct to let the home burn down.
Did I suggest that? I'm sorry, I meant to say that explicitly.
Of course the firefighters did the right thing by letting that house burn down.
Cycloptichorn wrote:I cannot agree with this position for several reasons, but the most important one would be that it is never morally or ethically correct to take advantage of a technicality at the expense of someone's livelihood, in order to gain more customers for one's business.
You can't be serious.
Cycloptichorn wrote:It is entirely akin to a doctor simply letting someone die because they don't have the money to pay for the bill right now; and even WORSE, letting them die even though they DO have the money to pay, as an example to other 'freeloaders.'
If medical services were provided on the same basis as fire services in Obion County, I don't see why there would be a difference. Doctors, in that instance, would be entirely justified in denying care to a non-subscriber, just as the fire department was justified in not providing firefighting services to Mr. Cranick. But then medical services
aren't provided on the same basis as those fire services, so I'm not sure what point you're trying to make.