Imagine if police and fire emergency services operated like this - you had to get private fire and police insurance, and if your home was on fire you would need to have an app on your phone telling you which fire departments were 'in-network' in order to ensure you weren't accidentally bankrupted (if the out-of-network service would even respond, once they checked your economic credit score).

The real takeaway here should be that life-or-death outcomes should never depend on some buggy app installed on your phone and maintained by a for-profit company that's more interested in protecting shareholder profits and executive salaries than in providing the critical service in question.