Requiring everyone to carry car insurance is me protecting me from being SOL and forced to pay out of pocket when I get hit and injured and/or have my car damaged by an irresponsible, uninsured motorist.
You have to show a clear and present danger. You don't have to wait until the bullet is ripping through your flesh to defend yourself from a mugger but you can't kill him in his sleep because you think he might mug you someday. You have the right to seek restitution if someone wrecks into you. You have no right to require them to have insurance in case it happens though.
Requiring labels on food is protecting me from having to visit every single manufacturing and storage plant to ensure composition and quality of every single item of food I eat. That costs lots of money and time. That's me protecting my money and time.
That's not protecting your money or time because your money and time aren't being stolen. Just because you feel entitled to get things at a certain price and convenience doesn't equate to self-defense when your inflated sense of entitlement isn't met. You're torturing the English language.
Setting pollution regulations me protecting my property (my own body) from harm due to your poor decisions, as well as all the ensuing medical costs (protecting my money).
Like I said, I don't have the right to pollute your property or cause you physical harm. However, if I'm not doing that then you have no right to regulate what I do.
Setting up a central court ensures me that my property rights will not be trampled by biased private courts and that there will be one entity that has a final say, rather than me being dragged around to an endless number of private courts while you search for a ruling in your favor. That's saying me time and money and protecting my rights.
Again, you don't have the right to prices or certain levels of convenience. You don't get to trample all over my rights and steal my money just because you'll be inconvenienced.
Setting minimum wage laws and workplace safety standards allows me to not live in a society with streets full of beggars and the inevitable increase in voilence that always follows desparate people. That's me protecting my right to life and my safety. It allows me to not have to pay higher insurance rates for the increased number of injuries at workplaces. It allows me to not pay higher product and service prices due to the increased number of days of abcense caused by the increased injuries/deaths in workplaces. That's me protecting my money.
Yet again, you have to show a direct threat, you can't just say X will increase the chances of something bad happening to me. If that were the case we'd have to lock up all teenage males since they are more likely to commit violent crimes than any other demographic.
You need to acknowledge the distinction between taking money out of someone's pocket vs. charging them higher prices. One should be a crime, the other should not.