And they are about 50% of the population. That's why things like social security, the nhs and seat belt laws exist. Its also why the NAP is fundamentally flawed. Only a minority of people will be able to live as well as they do now.
Once again, I am not suggesting that they be unable to outsource their thinking. Only that they be unable to outsource mine.
And as a final nail in the coffin of your argument, I present this:
You may or may not be aware that in the US, we allow states individually to choose whether or not to enact some laws, among them, seat belt laws. Well, New Hampshire remains the only state in the union without a seat belt law, and, well, I think the article speaks for itself:
http://www.nashuatelegraph.com/news/517088-196/nh-motor-vehicle-fatalities-at-47-year-low.htmlNew Hampshire has long had relatively fewer deaths on its roads than the nation as a whole, measured by deaths per 100 million miles traveled. The state’s fatality rate is about 30 percent below the national average by that measurement.
I'll ask you, to what degree excluded from the Laws do you think you should be in the society? If you could somehow opt-out of being subjected to seat-belt laws would you find it unreasonable that your insurance company could be informed of this and rates your rates accordingly with their statistics based on what an increased risk that poses? If not, then why shouldn't they be able to raise your rates? And if not, how does that not constitute you wanting a "Free Lunch" in Milton Friedman's terms?
With Social Security, how would you suggest to opt out of that? As a child you were already covered if your parents died or other catastrophes that SS provides for. So, to be fair, I think you'd have to pay back the equivalent of the coverage during this time-frame that could have been paid by a private insurer. We'll net that with the balance you've paid into it and then send you on your way. But later in life, when you could be destitute (either due to your actions or complete chance/misfortune) then you'll also have that badge that will dictate that you cannot receive any government assistance in this manner. If it is a economic depression and private charity is exhausted (as it was and is bound to be before this crisis is over) then you can starve.
We'll ignore that the historical arguments for Social Security went (insofar as I am aware) at least to the 1820s and it is something that the labor-class (hint: your class) has fought long and hard for. We'll ignore the statistical facts around this program and let you 'run free'.
What else would you like to "opt-out" of in our society?