Good point with the fire department not putting out the fire. It's because a maximum insurance payout (complete loss) is typically a lot less than a RCV (replacement cost value) policy. A rider is typically in most policies regarding complete loss/ maximum payout.

Also, when people have finally had enough and refuse to rent a house or apartment, choosing rather to live in an alternative way, you will see laws enacted that prevent such behavior. It's the primary reason I don't want homelessness getting outlawed. For now it's mostly drug addicts that are homeless, but that will change. It's almost as if they created the drug addiction homeless problem to get people to vote for making homeless illegal and prevent the coming movement. They play a very long game