In a free market, if he wanted services he'd have paid fees for them. Fire protection? Fees. Police response? Fees. Streets? Pay a fee (when all cars ran on gas, a gas "tax" could be considered a fee; but now, electric cars don't pay their share).
Of course, your free-market mortgage lender (actually highly regulated) will insist you have insurance, and your free-market insurance agent (actually highly regulated) would insist you pay for fire response, but if you didn't have a mortgage lender, you'd never lose your house in a tax sale, and if you didn't have insurance it would be your own risk.
The invisible hand would gently encourage buying protective services, without the cruelty of the hand of government.
What do you think? http://consequeries.com/
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