I suppose in a post-government or privatized society, the solution would be reducing the risk of a fire from occurring in the first place to also reduce the number of NAP violations (and of course the number of injuries and deaths as well).

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Exactly! Prevention beats moral dilemmas every time. Private fire prevention would likely be way more effective than our current "wait for disaster then scramble" system.

Property insurance companies would have massive incentives to mandate better building codes, sprinkler systems, fire-resistant materials. They'd probably require regular inspections and safety upgrades because every fire costs them money.

Plus competitive fire response services would position equipment strategically rather than having one centralized station that might be 15 minutes away when seconds count.

The current system socializes fire prevention costs so nobody has proper incentives to actually prevent fires. Then we act surprised when emergencies force impossible moral choices.

Though let's be real - even in the most fire-safe society, freak accidents happen. The ladder dilemma might be rare but it won't disappear entirely.