So it comes down to money?
I'm just asking questions, but I prefer, liability and responsibility.
The issue is that you set a precedent, and that will lead to money, which will lead to firefighters being indecisive if not in short supply.
In that hypothetical, who would be responsible for his healthcare and diminished quality of life? And if a fireman died trying to save him? Are more liable? Would the father be liable? Yes, liability is money and more.
Do you not think he would sue the Fire Dept. for letting him go in? You really believe he wouldn't say I was emotional, they should have stopped me. They're the trained professionals, I didn't know I wouldn't be able to breath in about 20 seconds. And now I have to live this miserable life looking like Jabba the Hut and I'm only 30-something.
You have to look at the big picture.
Out of curiosity, if there's a fire, and the firemen are playing poker and don't respond in a reasonable amount of time and a whole family burns to death, is anyone liable?