My apologies if my comment was abrasive, my objection, though, is that pandering to this libertarian slice of the populace ends up costing society more. On a small scale that dues-based fire department might work fine "Oh, it's at frank's house, yea... he'll be surprised" but when you reach a state or country level tracking any sort of voluntary pay-in programs gets complicated and a sane efficient state would find it cheaper to just save frank's house anyways, because the cost of tracking who is who is more expensive than occasionally paying out fraudulently.

This is one of the good motivations for universal basic income, a lot of our social programs have grown to the point where their overhead is getting ridiculous but the solution isn't ending the program, it's cutting any inefficiencies we can find and simplifying the program in a fair manner to get more money to where it needs to go.