I will answer your one extremely simple and practical scenario with the following question - Who would you suggest is [responsible] for defending your property... Besides yourself?

It is not semantics. And I am not referring only to the coercive governments that exist today. I am referring to ALL coercive governments. Any that exist today, and all that might hope to exist in the future. I reject coercion. I reject mob rule, no matter how small.

Also, I have not made any inference that I would personally support anything that resembles a voluntary "government."

I advocate for reciprocal agreements between consenting individuals. I advocate for personal accountability, and personal integrity in keeping with the principles of Liberty and non-aggression.

You may perceive those to be wishful thinking.... If so, then what ethical principles guide your steps? Am I duty-bound to my fellow man to provide for his needs in some sort of altruistic manner? Am I not accountable for my own actions (and inactions!)?