It’s not a “financial” question. Or a “Fiscal” question.
It’s a “Are we civilized or not” question.
Your actions are the answer.
Sorry. Not picking on you. But I am disgusted by the greed and wanton neglect of other folks. Men are MEN because they do what’s right. Not because they do what pays the most.
Your example of having every traveler bring a stone gave me the idea.
If avoidance of fire at all costs is a high priority, having a national sales tax to pay for it or forbidding construction of houses and structures from flammable materials is a solution.
Do we get a choice?
Those that lost their house opted out of their responsibilities to participate in a civilization as they refuse to contribute to the common good. Of course, when the SHTF they were the first in line with their hand out.