Firefighters let house burn down

Duty of care does not apply here. They are not "performing an act which would foreseeably harm others". They are simply not performing an act that a household did not pay them to do. Firefighters would have a duty of care to reasonably carry insured people out of a fire-ridden house since that is extremely dangerous. But they have no duty of care to help these people nor their house because they are uninsured and did not pay.

If a person who was dying of cancer did not have insurance, would you cry foul that a health insurance company did not give them money?

The title of this topic should be "Lack of Firefighter insurance causes house to burn" rather than "Firefighters let house burn down".