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.