I hope one day you find yourself hanging from a cliff and just before the person reaches down to help you they say, agree to hand over all your assets or I will divert my resources to else where and assure you, that you can always wait for a more competitive offer.
We're talking about people who willfully build and rebuild homes that cannot take the stress of recurring natural disasters in a place where those disasters occur not merely occasionally, but regularly. And, I might add, in your example we have people who willfully build and rebuild flammable homes in areas known for their wildfires. That should be illegal and prohibited by code but instead it is enshrined in law.
Perhaps a fire brigade that agrees to buy your house for 50% of it's value or they will not put out the fire.
That is wildly different from the given scenario, and your bringing it up here is pure prevarication. In the given scenario, some people who would incur costs helping to solve a problem are not permitted to profit from solving the problem, eliminating the motivation to do so. In your scenario, some people who are already paid to solve the problem under our current model are demanding additional payment. Do you see the problem here? Proposing to reduce government interference in commerce is not the same as proposing to eliminate government services, and your suggestion that it is so is disingenuous. You know better. Stop lying.
The simple fact is that by not buying a generator ahead of time, these people have incurred additional costs. They know that they need one, but they are content to permit someone else to solve their problems for them. It's simply not appropriate to build your life around the use of electricity, live someplace where it goes out regularly, and not have a plan for solving that problem. Instead, people on the other side of the country wind up having to subsidize your lifestyle. Government interference in this area might reasonably require you to own your own backup power source (or subscribe to one on your block, perhaps, if our grid were capable of behaving like a grid — hint, it isn't) but it isn't reasonable to prevent people from coming in and offering to sell you a timely solution at whatever price the market will bear. That is rank hypocrisy, especially at a time of ongoing financial crisis. If you propose to prevent people from selling generators at inflated prices to people who need them right now, then what do you have to say about the general manipulation of energy prices? We all need energy all the time, and many people are barely able to pay their bills as it is. Your "modern society" includes the concept of charging whatever the market will bear for energy every day, it is unfair to people in bad situations every day. You're okay with that being nationalized, institutionalized, but not okay with it happening on an individual level.
You were given a concrete example of government interference in the name of fairness exacerbating a problem, and instead of conceding the point or at least considering it, you rejected it out of hand and brought up irrelevant examples to support your point. That is not thinking worthy of sharing.