I think you are describing how the entire world works. I have lived in 3 western European countries through my life, and they all work this way.

Never I had the pipes in my home inspected, even now that I live in areas where it freezes regularly.

Never has anyone (not even my insurance) forced me to follow any particular maintenance schedule (albeit I'm quite sure somewhere in the fine print it will read that if the accident is because of poor maintenance they'll just ignore the claim).

Here the city service to remove Graffiti is almost overnight, and works better than many other public services...