Everything in the material world or which is created through the expenditure of human time and energy is already provided courtesy of those "wealthy enough to afford them. The insideous idea that the average human being is incapable of affording life itself without some well-meaning busibody socialist forcably confiscating it through the political system from somebody else and giving it to him on a platter "for free" is a ridiculous hobgoblin of the collectivist mindset. The problems that you are describing, involving "people who decide who warrants protection from crime and who doesn't" (although I assert that your phraseology is a grotesque oversimplification), are problems that plague civilization now, under the current paradigm. They do not go away just because you have politicized them and then attempted to perfume away the rot with patriotic or statist mysticism. The State is just another human organization, one with a monopoly on violence and no competitive feedback with regard to costs or profit. It is, contrary to Hobbes, not a god that can magically solve problems.
Re: I see. Voluntary systems