yes, fails to consider.
I am armed, I am not lazy.
I can conceive of situations where I would need something RTF-now, and refusal would be unacceptable.
I would not trade my weapon (a tool for providing for myself in a survival scenario) for what I needed, when I could use my weapon to secure what I needed.
So, yeah: fails to consider.
For any thinking, reasoning being... there are always options other than initiating force, fraud, or theft.
You also leave out restitution for involuntary trespasses. If I fall off a balcony, and save myself by landing on your balcony. I owe you rent and damages for however long I was on your property without your consent. Ethically, I would demand to pay the restitution to balance the score. Ethically, you could not refuse to accept it.
Same would go if I was crossing the desert and came upon your well. I would owe you restitution for taking your water. Trade can be worked out and ethical parties on both sides would be able to reach a commodation. In fact, lucrative trade businesses could arise from providing such services to those in need.
As I said, it isn't a failure of the philosophy. It's a failure to apply it correctly.