Why shouldn't everyone get everything for free that can be provided for free? Forcing other people to pay a cost because you paid a cost is just sour grapes.

It can’t be provide for free, that’s the point. Mitigating risks has costs that you are ignoring. Those costs aren’t cheap and someone has to pay for them.

What's the cost? Is there some reason productive economic activity can happen only if rich people are allowed to steal SF?

Except it's not free. It's free to you but not others.