As I recall the story, he and the others in his area (not sure what the actual geography is) voted to have their fire services established this way. Prior to the agreement of $75/year per home, there was no FD covering his or his neighbors' homes. Why shouldn't it be voluntary? You sound like you want to impose your idea of what is good for me - onto me. In most locations, emergency services are funded through taxes. I don't happen to have a huge issue with this. I think that emergency services are a wise way to spend tax dollars to create a shared resource.
However, if I live in a town where we decide that we want to fund our fire department a different way - or contract services from a neighboring municipality, then that is our choice. If you don't like it, I don't care. I'm sorry to say, but you sound like more of the "for your own good" nonsense that has created monstrosities like PelosiCare. I like what I have, if I don't want to buy health insurance, I shouldn't have to and the govt has no business forcing me into it. (Required car insurance is a) state mandated and b) liability only - if you're found to be at fault the person you hit doesn't get screwed)
Blame the voters of the town, who decided this was how they wanted to fund fire services. Blame the owner who didn't pay for the emergency service. There is no "system" that created the mess. The people decided this is how they wanted to do things.
I realize you're not advocating pay-as-you-go for FD services, but I have to emphasize what many others have pointed out -- operating a FD is not free. There are significant up front costs, as well as ongoing maintenance costs. The turnout coats wear out and need to be replaced. The pumper needs new tires, etc. The company I work for builds equipment for firetrucks. Should my company be required to provide our products and services for free? Should I not get paid for my labor, because fire trucks should be free? Let me assure you, they are not.
Further, it is impossible to build a firetruck while the house is burning down. If everyone decided not to pay until the house caught fire - no money before the fire to buy the truck, the equipment, pay the firefighters - there would be nothing to put it out with and not only would his house would burn to the ground anyway - so would his neighbor's.