Comment: "in order to form a more

"in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defense, promote the general welfare, and secure the blessings of liberty to ourselves and our posterity"

What about the rest of the Constitution? Hell, if even just the preamble applies, doesn't "general welfare" and "domestic tranquility" apply broadly? I guess you are OK with the constitutionality of the Patriot Act! It is being done in the interests of all those things!

Also, what about his state government, and his state's constitution?

"Insurance refusing to pay? Well, I suspect that he won't keep that company and will find a more reputable company to do business with."

But he still loses the money he invested in the first place.

See, you say "if the insurance company frauds him, he will just find another place". That is how man works in your opinion. I think that as this happens on a larger scale, people will gravitate to a government, which can then use "force" to make these companies pay.

"Bottom line, there is few things that the government can provide that the free market can't."

The free market can provide anything and everything. "Government" is just a production of the free market.

"Even justice can to some extent be codified into social justice laws"

And laws are somehow not part of government?