Logophile
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As far as your first point. No it is not ok. Homeowners need to Firewise their property. People like the Bundy's should not be allowed to utilize public lands.
Local/State governments play a role because they do not want to set proper zoning laws to reduce the of wildfire.
Insurance companies are starting to wise up. I expect unless your home meets Firewise standards a homeowner will not be able to get an insurance policy.
I agree with all of your points, although I don't know what the insurance companies are doing to mitigate the problem. I know that flood insurance is federally funded, so that the wealthy living on the beach get to rebuild every time a hurricane blasts their houses off their foundations, thanks in part to the leniency of the average taxpayer.
There is a silver lining, I suppose, to every cloud. The upside to the California wildfires has been the redwood trees. Fire is part of their ecosystem, and they can propagate. Remarkable. Thanks!!