Nobody lives forever, that's for sure. But there are plenty of completely preventable/mitagatable situations that can kill you that could be mitigated by a professional paid fire response that won't be mitigated by many volunteer departments, by no real fault of their own. And whether you like it or not, that level of professional service costs money.
If you don't know the difference in the level of service maybe you don't ever think about it. But I guarantee if you're watching a loved one die, wondering why your volunteer department isn't there yet while knowing for a fact that if you'd been in an area served by a professional department your loved one would already be getting help, you'd probably rather have paid the money for the professionals. I doubt you'd be standing there going "well, them's the breaks".
And yes, if I'm going to run into a burning building to try and save somebody because I got there fast enough that someone inside is still viable I don't want to be maimed/killed because the owner didn't understand that building and fire code exists for a reason, and that reason isn't just to inconvenience them. And sure, yeah, some of those codes have political motivations. But most fire code is there because somebody died. If I'm showing up at 10+ minutes and just putting water on it from the front yard, well, the building construction doesn't much matter anymore because it's already toast anyway. But the money you saved isn't gonna be enough to make up the difference at that point either.