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Turns out all that happened was the rich benefitted and the poor suffered. Who'da thought?
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There are some communities in the USA that consistently vote down funding any sort of public fire department through taxes. Obviously they still need a fire department, so their "solution" is "private fire companies" with a subscription model.
These private firefighters will show up to any fire and they'll save lives ... but after they pull you out they'll let your house burn to the ground if you didn't buy a fire protection plan from them.
Wow, I didn't know places did that... that's screwed up!