Instead of groups pooling their resources and providing everyone with police and fire services, where each dollar spent provides a dollar's worth of services (minus the cost to administer payments), imagine introducing a middleman-police and fire insurance companies.
Like our current health care system, about 30% of every dollar we spend wouldn't provide any police or fire services whatsoever, but instead would go to other insurance company expenses.
Aside from administrative costs to pay for services, insurance companies would pay billions to shareholders as profits, plus spend billions more for advertising, lobbying Congress, huge executive salaries, and paying a large staff whose main job would be to find ways to shift costs to purchasers and providers and to maximize profits by minimizing services.
Like our current health care system, maximizing profits would mean charging the highest possible premiums (money in) while spending as little as possible on actual police and fire services (money out). This is simply smart business.
Insurance companies would compete to enroll residents likely to require the least police or fire services, while trying to avoid residents likely to require the most police or fire services. Like our current health care system, this would guarantee that residents who need these services the most would be the least likely to get them (this is simply smart business).
Those residents unfortunate enough to need services "too often" would be denied, dropped, or charged unaffordable premiums. Those who live in "dangerous" (low profit) areas would simply be denied police or fire services due to "pre-existing conditions" (this is simply smart business).
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