Emergency response is not free, nor is it some kind of insurance. It is help to get local governments and citizens back on their feet. It is not the Federal Government's job to pay for every natural disaster that strikes the nation. This is a stopgap to get things running again. So our citizens can rebuild, but it is the citizens who must rebuild. That is part of living in a free society. We each have the ability to succeed or fail. If you reduce someone's chance of failure you are also limiting their chance of success.