Well, I don't want to come off as libertarian, but presumably you could buy insurance against this in an environment where there's a bunch of people who need such a service.
There's more such arguments, like suggestions that you need a nation to subsidize your health care or protect you from every day crime, but all of those are reasonably privatize-able as well.
There's more such arguments, like suggestions that you need a nation to subsidize your health care or protect you from every day crime, but all of those are reasonably privatize-able as well.