In colonial Philadelphia, firefighters were employed by private insurance companies which, of course, had financial incentives to minimize damage to their clients’ properties. Plaques with the insurance company’s insignia were placed on buildings, so that the fire fighters would know whether or not it was their “business” to put out the fires on the premises. (These plaques are often found today in antique shops). If the “wrong” plaque was on the building, well, that was just tough luck. Of course, with their attention confined to a single building, fire fighters were ill-disposed to prevent a spreading of the fire to adjacent “non-client” structures.

Occasionally, when the building’s insurance affiliation was in some doubt, competing fire companies would fight each other for the privilege of putting out the fire, resulting in more water aimed at fire fighters than at burning buildings.

Eventually, the absurdity and outright danger of this system led one prominent Philadelphia citizen to come up with the idea of a publicly funded and administered fire department.

His name was Benjamin Franklin: America’s first anti-free-enterprise commie pinko nut-case.