> Fireproofing isnt mandatory, so people dont do it

100%

> and they hate spending even one dollar extra on roofing when they know a taxpayer-backed insurance policy will cover their substandard construction

That just doesn't follow. More likely is that people building the homes (possibly on spec) are motivated by their bottom dollar, so only do what is mandatory (per your first point) or that people who own the homes simply _don't know about these mitigations_.

Blaming all behavior on a last-resort insurance fund misses a lot of steps between, and I don't think tracks to how people actually behave in the real world.