I dont agree with your point. You fail to understand several things. I believe that when you have a building you need to be insured on your property, right ? Then, the lack of proper fire safety devices in your building should raise the risk on your property, and therefore raise significantly the cost of your building insurance. Should your building burn in flames and spread around, damaging a few other buildings around, your insurance would cover the costs (just like your car insurance covers the costs when you injure a 3rd party in an accident). On top of that, the surrounding property owners could sue you for financial reparations for lost opportunities (business, rent, etc...) for which you would have to pay.
In the end, anyway, the insurance contract would cover most of the damage costs. That's why insurance systems exist and are usually mandatory. And the free market should reflect the cost of having no fire protection in your property. Net, you would not need to have regulations to enforce that, the costs themselves would probably entice you to get at least minimum fire protection, based on the insurances recommendations.
Seriously, most people seem to be believe that regulations have existed forever and that civilization was born with it. On the contrary, the amount of regulations we deal with nowadays is a very recent thing in History, and most people lived before with other systems in place to ensure their safety without the need of Big-Ass Governments.
Not to be mean but I don't think you have any idea whst you're talking about. Lawsuit is your answer? Really? So you damage my priority, now I have to get a lawyer to sue you. You file bankruptcy or kill yourself, I'm now left holding the bag.
Insurance? Really, insurance? If you don't like building codes, who says you're going to get insurance?
What if you start getting behind on your bills? Now I'm left holding the bag again.
Your argument is a strawman. No one says governments have always existed and civilization could nor have existed without them. That's stupid, why say that? It's a fact that things were much more dangerous and more likely to be fatal before regulations that enforce minimum safety standards. So yeah, civilization would exist, it would just be more dangerous. What a silly argument.
Also, if what you said was true about this magical insurance compliance then there wouldn't be any buildings in active use that don't conform to minimum safety because we have this free market with perfect actors that pay their bills or some such nonesense.
Now, the second thing, how is your magic lawsuit/insurance fix going to bring back the dead? Or do they have to stay dead due to your rickety building because that's one thing the magic free market can't do.
Come on this is hard to take seriously, and yet I'm accused of not understanding the issues.
In the end, anyway, the insurance contract would cover most of the damage costs. That's why insurance systems exist and are usually mandatory. And the free market should reflect the cost of having no fire protection in your property. Net, you would not need to have regulations to enforce that, the costs themselves would probably entice you to get at least minimum fire protection, based on the insurances recommendations.
Seriously, most people seem to be believe that regulations have existed forever and that civilization was born with it. On the contrary, the amount of regulations we deal with nowadays is a very recent thing in History, and most people lived before with other systems in place to ensure their safety without the need of Big-Ass Governments.