This thread is a perfect example of why it is needed. OP didn't realize that the NM in the TFR meant nautical miles. Also even though he knew there was a fire he was not aware of how flight operations work in a fire zone. This is in no way meant as a knock towards the OP as most people don't but say for example he knew there was a fire 2 miles away but not that the actual TFR was 7NM around the fire and he accidentally flew in front of a water carrier or other aircraft?
Unfortunately now that a chain like Costco is selling drones that have the range these have they are going to end up in the hands of more and more people, and especially their children, that don't know or care about a NFZ or TFR and just want to get a closer look. With the amount of the market DJI controls now incidents involving these drones are only going to increase so by the NFZ and TFR being in place it actually helps to protect the hobby for those of us that do follow rules and pay attention to what we are doing.
All that said the system does need to be made a little more reliable although part of the reliability issues may be be people not updating the NFZ database often enough. I know that my house was in a NFZ after one update then it was fine again after the next update so if I had gotten frustrated and not updated again I may not have found out it was a mistake.