I understand where you come from but you live in the city. Here, you must either be responsible and if you choose to have everyone else pay their $20 a year and you refuse, then fine, no one's going to help you when you're in need. My people are very helpful and responsible, that is why they are willing to work for no pay to help people. When that firebell rings, they leave their jobs, unpaid to help those in need. They each lose more in a few hours than the $20 they ask in a YEAR for the needed supplies to help them.
Again I say, I'd rather pay the $20 for the rural fire department than whatever taxes you are paying. I have to laugh at what you are paying in taxes while complaining about our system. You just keep paying those taxes....
When a home burns down or has the cars up on blocks on the lawn, it brings down the rest of the neighborhood value which then drives away business and other methods of making that neighborhood money and jobs. It is a reverse trickle down issue IMO.