OK, so of those three men, which is more likely to have the expertise? The man whose house is burning down, the firefighter, or the man pointing the gun at the firefighter to make him put out the fire?
None of them, there are more then those three men.
Those aren't the ones who decide, because you make laws before.
When there is no choice to decline the services of the state, it is theft. If every bit of work you do - which you need to do to survive - results in stuff being taken from you, it is slavery. Sugar coat it all you like, but this is the reality of the situation.
The whole point of insurance and/or subscription models is that you pay a small fee in the expectation that you are unlikely to need their services. Not subscribing and then expecting to just pay your subs on the day is laughable - you will be given the choice of the market rate for fire fighters at short notice or accepting the alternatives.
Regarding their time - it wasn't spent already. They didn't have to risk their lives putting out a fire - they could just sit in their truck.
Feel free to build up a night-watch-state like you want somewhere.
But don't
force your idea of freedom upon me, please.
I doubt it's gonna work, but it seems like there are a lot of Bitcoiners who do (because well the decantrilzed money is one of your things)
So there shoudl be quite a lot of people who are rich now or gonna be rich and could buy a small state together /at least if Bitcoin is successful.
I would be excited to watch this experiment, maybe I'm wrong and it does work.