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.
Sorry, pal, but the realities are that national defense is a government game. You can pretend otherwise, but only if you assume that there's no government out there capable of beating the hell out of a disorganized rabble.
History suggests that that to assume this is not only wrong, but insanely stupid.