You pay for the risk of teen drives because you share the same roads as they do.  BUT, you have choices for how much coverage you choose to purchase for your car insurance.  ACA forces everyone onto the same level of coverage.  HUGE difference.

The US military protects companies, but you and me as individuals as well.

Your property insurance doesn't cover for a hurricane (or shouldn't if you live inland) unless you purchased unnecessary coverage.  My policy for my home in Centennial doesn't cover for hurricanes.

If your kids are no longer in school, you have a choice to live in a community with low school taxes.

I would hope the government would stop taxing the dead, so I agree we shouldn't levy SS taxes on the dead (AND OH BY THE WAY WE SHOULD RAISE THE RETIEMENT AGE TO 70)

And how did America avoid anarchy for the 200 years before we had the government mandate what heath insurance does, and does not, cover?

According to you, the US should have fallen into anarchy 200 years ago