Why isn’t there a happy middle ground? You can pay 75 bucks upfront or, if you wait until your house is on fire, it will cost you, I dunno, $10,000? Lots of things work like this.
Here’s the more important part of the story, letting the house burn — while, I admit sad — will probably save more houses over the long haul. I know that if I opted out of the program before, I would be more likely to opt-in now. No solace to the homeowner, but an important lesson for compassionate conservatives like our own Dan Foster (Zing!). As Edmund Burke said, example is the school of mankind and he will learn from no other.