Actually, your salary would be far higher. But then you'd have to pay "government insurance" so that you could afford to pay fees for any government services you might need. Or else you'd have to pay the fees out of pocket. You'd probably pay some fees out of pocket, and others using insurance (with some deductible out of pocket, of course). But the net would still leave you with considerably more money left over.
Many more of us would have money left over at the end of the month, instead of month left over at the end of the money.
I know that your argument is based on morality, and not economics, but I'd like to know if you think it is possible to overcome the "free-rider" problem of voluntarily funded government services.