If we responded to all fires, he said, there would be no incentive to subscribe the homeowner in this case tried to renew his subscription at the scene of the fire but the head of the company refused you can't wreck your car, he said, and then buy insurance for it later so even public goods that we take for granted as being within the proper province of government can, many of them, in principle be isolated, made exclusive to those who pay. that's all to do with the question of collective goods and the libertarian's injunction against paternalism 