Comment: You have to, in your mind,

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In reply to comment: I think it will become much (see in situ)

You have to, in your mind,

You have to, in your mind, rebuild the system from the ground up without monopoly authority in the equation.

You're taking elements of a system based largely on totally arbitrary government rules, backed by the threat of violance, and trying to introduce those elements into a hypothetical situation where unearned authority isn't present.

There is absolutely no way to predict what systems would be created and how people would act if they weren't made into retarded children waiting for government to take care of them.