By that line of reasoning, you don't need to buy car insurance until after you have the wreck, then you can sue the agent if he won't sell it to you.
Where do you think the money comes from to buy the firefighting equipment used by "volunteer" firefighters?
Do you have any idea how much a fire truck costs?
How much does several houses, livestock, and other property cost if that fire goes out of control. This part of Missouri has been in a drought and it has been windy the last several days. We could of had a major wildfire in this area. Any fire now is a danger and the Fire Chief should of known not to chance it.