I think you’re abstracting away all the reasons it’s necessary. This isn’t just about “how the American system works,” it’s fundamental to how a civilization works - either you pool money and cooperate on standards, in which case, all these things are emergent properties once the cooperating group is large enough to require enforcement (well, I suppose you could always go with pre-modern tax enforcement: confiscation without process), or you end up with the “strongest” enforcing their wants on the weakest. Galt’s Gulch is an unworkable fantasy at scale.
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