I would like to reconcile perspectives.
Government is an insurance policy. I lay my claim when I pull a car onto the road or even accept police protection (presumption). I think this is demonstrated especially when I enter into the downtown district of the city. I hear that is where police protection originated; a safe place for meeting between commercial vendors and customers.
This (public) kind of insurance premium rate is governed by how much of the Federal Reserve's private credit is changing hands - a sales tax, or an income tax. Like in the mental model I just described though, the Federal Reserve is a private agreement, in at least that one can choose to contract (endorse private credit) or to redeem lawful money by demand.
Social Security.
26usc 3101
(a) Old-age, survivors, and disability insurance
In addition to other taxes, there is hereby imposed on the income of every individual a tax equal to the following percentages of the wages (as defined in section 3121 (a)) received by him with respect to employment (as defined in section 3121 (b))—
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