You wuz right to the exponential degree.
Who needs personal responsibility? Why bother to pay those lousy insurance premiums ... just demand coverage retro-actively when something bad happens.
I live in a rural area under the same fire protection rules as the homeowner. I pay the fee gladly. When I burn, it is with a 10’radius of mineral earth, a steady supply of water at hand and not in windy conditions. The consequences of idiocy can be severe.