Other than the usual featherbedding, unionism, non competition government run bureaucracies, I don’t see why as a matter of mortgage insurance, insurance in general, general prudence if you own out right, or if not, in case of fire, a legal requirement to have to pay the costs if a private company suppressed your fire.
Like anything else, there should be competition, driving prices lower and increasing quality in service, speed.
A lot of people here on FR have zero notion of the ability of free markets and competition to, over time, deliver lower cost, higher quality. Something no one associates with any government activity that I know of. We also have a lot of social conservitive(ish) police and fire employees that want free market benefits from the things and services they buy, but not in the taxpayer extracted field they work in, which I understand, but still...
“We also have a lot of social conservitive(ish) police and fire employees that want free market benefits from the things and services they buy, but not in the taxpayer extracted field they work in, which I understand....”
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Yes, the double standard exists and is frustrating.
They want the economic miracles of a free market WalMart or Sam’s Club, but do not want to face the disciplinary rigor of that same marketplace when it comes to their highly cushioned government and quasi-government employment.
Yes, even us stalwart “social conservatives” can recognize economic hypocrisy.