Well since this pricing scheme doesn't already exist, it's up to the fire-fighters to create it. The price can be wrong, it doesn't matter, the point is that th

Well since this pricing scheme doesn't already exist, it's up to the fire-fighters to create it. The price can be wrong, it doesn't matter, the point is that the price gives the fire-fighters the opportunity to save the house without compromising their principles. After they save the house, they can then worry about whether the price was a fair one or not, and publicise this. People would then realise what a good deal the premiums are.