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Re:Did Insurance Fire Brigades let uninsured buildings burn? by rayiner on Monday December 19, 2022 @02:18PM (#34056337)
> I think the moral of the story is America has some very serious third-world problems. The reason things like this go on in America and not in any other developed country is that Americans just accept it. "They didn't pay, so they die." Here is how much they accept it, firefighters literally stood and watched a building burn down instead of playing with their toys. Not only that, the fire department refused to accept money to put it out.

It's not just a question of money, but legal arrangements. Going into a fire isn't a game--it puts the firefighters and their equipment at risk. What does the firefighters' insurance contract look like? If one of the firefighters gets hurt, is their insurance going to cover it when the fire was outside the jurisdiction of that fire department? Insofar as this illustrates a "problem" it's not a "third-world" one, but a distinctly American one. Americans are the most legalistic people in the world, and reflexively accept the consequences of the legal state of affairs. In many other contexts, that's a strength, not a weakness.

> This whole "unincorporated land" execuse is a sad state of affairs. The whole "You're not with us, so it's not our problem" mindset is really why America is so low down on every single ranking in the world, except for military might.

Even Americans aren't so tribal as to hold grudges between towns and adjacent unincorporated land. The significance of the house being on unincorporated land is that it demarcates the legal boundaries of the fire department's jurisdiction. A public body acting outside its jurisdiction can have all sorts of consequences.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by cryptonector on Monday December 19, 2022 @03:26PM (#34057183)
Yes, fighting fires is dangerous. Can't blame the firefighters for not fighting a fire that they weren't legally or contractually required to fight, though fire departments can and do often volunteer to fight fires in other jurisdictions, so they could have (and perhaps should have, but that depends on the details of the fire).
Re:Did Insurance Fire Brigades let uninsured buildings burn? by saiya-jin on Monday December 19, 2022 @05:23PM (#34058604)
You didn't refute parent's main points at all, saying 'this is by law and contracts' just confirms his statements about bigger problems within society. If firemen let someone's house burn while the owner begs them for help, its something wrong on very basic moral level, and no matter of lawyering around is changing that.

Parent summarized well why people like me would never want to spend their lives or raise kids in places like US although we like visiting there, not when I can see in (some parts) of Europe how modern society should work as 1 unit, taking care and helping the weak because its simply the right fucking moral thing to do. It is in some aspects Star Trekkish utopia that actually works long term and improves lives of everybody involved.

Yes it costs money, almost nobody here has comparable US wages, but what are those numbers for when 1 serious visit to emergency can financially wipe out poorer families and good luck sending few kids to university, which are both basically no-topics here. Suddenly that million or two in the bank account seem more like necessary minimal backup rather than actually free usable money. And how many US families actually have those numbers sitting around, its rather mortgages left and right.

The amount of constant backstage stress for endless stream of regular blue and also white collar joes this removes is significant but hard to measure in easy-to-present numbers. I tend to call it one very important part of quality of life.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by twblalock on Monday December 19, 2022 @05:58PM (#34059012)
What's wrong on a moral level about this story is that the homeowners refused to pay for the fire department, decided to live on unincorporated land, and then expected the firemen to risk their lives to save property -- not to save lives, just to save property.

We can't have a functioning society if people who opt out of paying for it demand to benefit from it anyway. If people could get away with that, nobody would pay for the fire department and it wouldn't exist. By caving in this situation, the fire department would have signaled to everyone else that it's ok to not pay.

Maybe the tax that supports the fire department ought to be mandatory? Sure, that is how it works almost everywhere in the US. People who live in places where that is not the case are doing so on purpose, and they would vote against changing it.

Want to live in the middle of nowhere and depend on the government for little or nothing? Go for it, but don't complain when you want the government's help. Want to live in a city with a lot of government services? You can do that too. At least people have a choice.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by hypertele-Xii on Monday December 19, 2022 @07:08PM (#34059715)
> We can't have a functioning society if people who opt out of paying for it demand to benefit from it anyway.

We clearly can. Why can't you?

Over here, we help first, figure out who owes who later. In America, first you gotta figure out who's paying, then you get help.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by ekianjo on Monday December 19, 2022 @07:19PM (#34059809)
Taxes is still paying.
Re:Did Insurance Fire Brigades let uninsured buildings burn? by abduhl on Monday December 19, 2022 @07:59PM (#34060139)
In the last century you (as in “you over there,” not you) made Iceland default on its loans rather than help them out causing them to suffer both as a country and as a people. https://en.wikipedia.org/wiki/2008%E2%80%932011_Icelandic_fi...

In the last decade you failed to offer help to hundreds of thousands of refugees because nobody could figure out who owed who. https://en.wikipedia.org/wiki/2015_European_migrant_crisis

In the last year you failed to aid Ukraine in their war against Russia, failing to even provide weapons that you’d agreed to provide (but only agreeing after terms had been reached to make sure you got paid something). https://www.cnbc.com/2022/09/16/ukraine-slams-germany-for-fa...

In the last month you failed to provide public transportation because you couldn’t agree on wages. https://www.wantedinrome.com/news/italy-national-general-str...

And that’s just on the continent in the last 20 years. If we were to go back to say around 1945 I’m sure we could find a couple more instances of Europeans being not so helpful.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by LadyCailin on Monday December 19, 2022 @09:26PM (#34060777)
I think it’s fair to compare only intranational affairs with other intranational affairs, as correct as you may be to point out the shortcomings. But these are apples to orange comparisons.

The public transit point is fair, but my understanding is that that is due to the right wing government, which is also the root problem in America.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by abduhl on Monday December 19, 2022 @11:24PM (#34061521)
France will have a second public transportation strike over wages shortly. https://www.reuters.com/business/autos-transportation/french...

Not helping someone until you figure out who’s paying is a way of life for Europeans.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by dang on Tuesday December 20, 2022 @04:35PM (#34072943)
Please don't take HN threads further into nationalistic flamewar. It's not what this site is for, and destroys what it is for.

https://news.ycombinator.com/newsguidelines.html

Re:Did Insurance Fire Brigades let uninsured buildings burn? by dang on Tuesday December 20, 2022 @04:35PM (#34072941)
Please don't take HN threads further into nationalistic flamewar. It's not what this site is for, and destroys what it is for.

https://news.ycombinator.com/newsguidelines.html

Re:Did Insurance Fire Brigades let uninsured buildings burn? by bruce511 on Monday December 19, 2022 @10:01PM (#34061011)
I agree with your categorization of this as a US issue,not a "3rd world" issue.

As an ex fireman, in a so-called "3rd world" [1] country, we often got involved in fires "beyond our juristriction". Our job was to put fires out, not worry about insurance or legal liability etc. We were never reprimanded for doing so, and there was never a suggestion of anything other than gratitude.

[1] 3rd world was originally the term for non-aligned nations during the cold War. The West was the "first world" (obviously), the USSR was the second world, and the rest was the 3rd world.

Not surprisingly, since a majority of the unaligned countries were in Africa, South America and Asia, 3rd World became a perjoritive term for "undeveloped" or "backward".

If being "backward" means not having the "money rules everything" approach of the USA, then long may we remain backward.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by rayiner on Tuesday December 20, 2022 @01:56AM (#34062538)
But it’s not “money rules everything.” Americans spend tremendous amounts of public money on, for example, extending the life of old people a few months. American social security is quite generous compared to other countries.

Instead in Americans are extremely rigid about rules and norms. You never just “not worry” about “legal liability.” It’s a country where criminals can sue you if they injure themselves robbing your house. For the most part, this is a good thing. Americans will also never ask you for a bribe, like is typical in the third world country I’m from.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by thebradbain on Tuesday December 20, 2022 @02:34AM (#34062767)
> Americans spend tremendous amounts of public money on, for example, extending the life of old people a few months.

Medicaid is extremely stringent when it comes to income and asset thresholds for nursing homes (and in many states receiving social security can effectively disqualify you from Medicaid, even though Medicaid would be more helpful). So in many cases that public money is only applied once hospitals and nursing home facilities have plundered the estate of the soon-to-be deceased until the debt is paid or there is nothing left. Something as routine as old age will often wipe out any potential generational wealth building in all but the upper class.

I bring this up because I think this actually goes back to the original argument in the US that money does, in fact, rule everything. That's ultimately why Americans don't question their legal frameworks-- that's what guarantees the liabilities and debts and who keeps what in the end, not the other way around.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by rayiner on Tuesday December 20, 2022 @08:32AM (#34065597)
Medicaid means testing is driven by the moral belief that people should support themselves before turning to the public for help. It’s driven primarily by that moral ideology, and not a desire to save money. In other respects Medicaid is extremely generous: no co-pays, no cost-benefit calculations for treatments, etc. But Americans in many cases would rather spend more money ensuring that public support only goes to deserving people than they save by doing so.

You see this all over the place. American schools will spend $50,000/year ensuring a child with dyslexia can get individualized educational support. But they won’t give free lunches to kids whose parents could technically afford them but don’t use their money wisely.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by ejb999 on Tuesday December 20, 2022 @09:47AM (#34066588)
Do we really want a system where a very elderly person, with say millions in assets, gets all their nursing home care for free in their final years, just so they can leave a bigger inheritance to their kids? I don't.

Going thru this now with my own elderly parents - I am perfectly OK with medicare ending up owning the equity left in their house, and meager other assets - to recoup money spent on their care - people should support themselves with whatever resources they have available, before taxpayers are asked to pick up the expense.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by thebradbain on Tuesday December 20, 2022 @01:54PM (#34070502)
I didn't say millions in assets -- in fact, the way the system works is that those are the only people who come out with any of value to pass down to their heirs! The system is working for those people as intended; they benefit from lower costs (since everyone has to pay market price) and they are not penniless from it. The rest are drained of everything they spent their life building, and denied the opportunity to share that with their loved ones.

The thing is that death is a universal experience; Many, if not most of us, will end up needing some form of late-life care. Private insurance companies often won't cover what is ultimately inevitable. It would make sense for more of our public policy to aid in what is so common.

The average nursing home cost is $7k/mo. The average nursing home stay is 1-2 years. That's enough money to bankrupt most US families entirely yet comparatively little in the public budget. We spend _much_ more public money on incarceration every year.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by ejb999 on Wednesday December 21, 2022 @06:13PM (#34087640)
>>The rest are drained of everything they spent their life building, and denied the opportunity to share that with their loved ones.

But why shouldn't they be drained of their life savings if they move into a nursing home and need to pay for care? If they have the money - any money - that is only going to be left to their heirs, why shouldn't it be used to pay for their own care?

It is an honest question - why should I inherit money from my parents estate, and the taxpayers pickup the bill for their care? If they died today, and medicare didn't claw back from their estate, there would maybe be 200K that needs to be split 5 ways - why should my siblings and I get this 'windfall' and expect the taxpayers to fund their nursing home?

I honestly don't understand why this isn't fair.

Re:Did Insurance Fire Brigades let uninsured buildings burn? by int_19h on Tuesday December 20, 2022 @03:33AM (#34063184)
> Even Americans aren't so tribal as to hold grudges between towns and adjacent unincorporated land.

They aren't? Cuz I'm seeing this exact thing every day on my local Nextdoor.