Mr Smith now understands that he, too, has to subscribe to a security agency. He decides not to join VM Instant Safety but Fracture Power Inc, instead. The two agencies, your VM Instant Safety and Mr Smith's Facture Power immediately start quarrelling about their respective districts of influence. This quarrel disturbs you, Mr Smith and the whole neighourhood. Security rates go up.
Safety goes down.
After a while Crissy desides to leave VM Instant Safety and set up her own security agency. Everyone in the neigbourhood is happy to join her new company. Here again we see what difference it makes to live in our free city where you can take immediate action if you are harassed. But moreover we see that you can change the security agency if the service it offers deteriorates and the prices go up. But your neighbour, Mr Smith, is not quite a libertarian.