A libertarian scheme would look like what neighboring counties in Tennessee do, which is to charge you an hourly rate per truck if you didn't pay the subscription fee up front. This is a case where clearly no one thought about how to handle the free rider problem beforehand. I believe they've changed the policy since.

No, the competing insurance companies as described in the video is a libertarian scheme. Counties in Tennessee are a state run operation and their refusal to fight fires is a function of jurisdictional borders, which does not exactly match libertarian values.

I’m commenting on the parent which was responding to the anecdote about Tennessee, and not the article. The fire fighters in question in rural Tennessee are volunteers and NOT run by the state. That’s why they came up with the subscription services. Some of the counties and towns do contract with fire departments, but not all of them and not the one in question.

I’m not actually sure what you’re trying to say here.