Firefighter here.

Firefighting is something from the community and/or for the community.

Letting the market do the firefighting will make it MORE expensive and give perverse mechanisms (setting something on fire will generate revenue). Nothing cheaper than volunteer firefighters and NO they don't nearly get paid so much as I have seen in the reactions. Also letting the insurance do it is a conflict of interest, as letting something burn down completely might be cheaper for them than needing to pay for renovation of something half burned.

Professional firefighters are totally different than volunteer firefighters. The myth of waiting for a fire during the 24hour shift is correct, but that's changing in the last years as well. The point of letting civilians enter the fire house and having time to put kids in a fire truck for a photo is 'net positive' for society imo.