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Well even though the fire department could be considered a government agency, it's like insurance... If you don't pay for the insurance, you have no coverage. In town, they pay for the FF with property tax. Out of town, its a separate payment, but should be considered a tax all the same.
If it's not life threatening there should be no obligation to rectify the situation. Even emergency room doctors won't do anything except "stop the bleeding" if you don't have insurance. If you lose a limb and want it re-attached, well that's what insurance is there to cover, etc... If you look to parts of Europe, they have socialized insurance where everybody pays in the form of a tax. It's different in the US, but if you don't pay for it one way or another, you aren't covered, plain and simple.
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