Indeed - I see it says "“...It wasn’t until that fire spread to a neighbor’s property, that anyone would respond” — only because the neighbor had paid the fee." - I wonder how much damage was caused to the neighbour's property before they put it out, which might have been avoided if the fire was put out straight away...
The original fire insurance departments in the US - in the 1700s - used to put out the fires on properties adjacent to the ones who were actually insured, because prevention was better business.
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