Are you so chock full of emotion that you cannot see straight?
Why should anyone buy car insurance, if all you have do is wait until you have an accident, then walk into State Farm with a check for $100 and demand them fix your car?
If you did this, then everyone else would too. The FD has bills that must be paid - like payments on that bright shiny new Fire Truck, the building and equipment. This is usually several million dollars worth of expenses that the country CAN NOT afford. These bills are due monthly, just like any other business. If no one pays the $75/yr; but opts to pay on an 'as-needed' basis; then the FD will not make the payments and go under.
And, instead of yelling at the FD, why no anger towards the idiot who has a $200,000 home and won't pay $75/yr to protect it against fire?