So I’m a bit torn on this one… your taxes pay for firefighters and police. However you have to have insurance in emergencies should your house burn down and you want to rebuild, or should something (like your car) get stolen. In all cases, you’re paying to support the infrastructure that provides you a safety net.
Without getting into the social economics of what in this world should actually be free, not paying for this seems to fall outside of that as the person refused to pay for the safety net until it was needed. That’s like trying to go to an insurance company after an accident to get coverage for that accident.