It's called working at a towing company, and I already have. I know what those "roadside assistance" firms do from the inside, because we're the ones who actually do the work when they call, and most of them are trash; you could just skip the middle man and call us directly, but the good ones actually pay decently and are more likely to get our help. Prices become better for individuals when they act as a group who collectively pool resources to subsidize cost on the basis that having a lifeline to fall back on when you don't need one is better than not having one when you do need one. Technically any handful of people can found a private social club that they all pay ten bucks a month into but don't always use, and such a club's warchest will snowball to thousands of dollars while no one is looking. Then when suddenly one person is in trouble, the club swoops in and eats the cost. Socialization of risk. Mutual aid. Wish more people did that.