One is a isolated island in the north and just by your own wording, pre-conquest Ireland which I have been reading on and there was a tribal government system that was not voluntary and had a hierarchy. Even if we did accept your examples (which I don't), they all fell apart as soon at it met competition from other civilizations. That in fact shows one of the major weaknesses about the inability to defend themselves from external threat.
First off, Remember that whole "in part" bit?

Secondly, it took 600 years for England to take down Ireland. I'd hardly call that "as soon at it met competition."
Now, since you're talking to me again, I'd very much value your opinion on life insurance.