Oh, so there is a place for some sort of institutional defense, then? Your whole position is now rubble about your feet.
Your arguments are delusional. They really are. If you're not ignorant of history, you're simply ignoring it in order to make your point.
Now you're just being tedious. "Institutional" doesn't mean the same thing as "Government-mandated," but you're pretending it is. I believe in instutional insurance--I have plenty of it--but I don't believe in government-mandated insurance, such as my car insurance or national health insurance. Similarly, I'm quite sure that many institutions will spring up for defensive purposes, and I'm all for it... as long as they don't try to stick me up for dough, or shanghai me into serving in their ranks.