Not interested in proving your wrong but fire fighting is a service that I suspect would exist without the state/government. It would likely be provided by insurance as that is what it really is. The state just sucks at facilititating everything. I wouldn't call it a scam but the state monopoly on it is obviously gonna hinder its efficiency and effectiveness.
You're right about it being provided by insurance - my first inkling of this was seeing placards like the below, on old houses, in historic cities.
Here's a wikipedia article on fire insurance marks: https://en.wikipedia.org/wiki/Fire_insurance_mark
Fire insurance has over 200 years of history in America. The early fire marks of Benjamin Franklin's time can still be seen on some Philadelphia buildings as well as in other older American cities. Subscribers paid firefighting companies in advance for fire protection and in exchange would receive a fire mark to attach to their building.
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