Indeed, there are ways to magnify your bargaining power outside of the government. Most people generally aren't willing to pay for it, though. A stolen phone fund or phone theft insurance could accomplish the same goals without involving the legislative and executive branches. However, the cost would be obvious, in the form of an upfront or recurring charge. It's much easier to assign the task to a government, and then wonder years later why taxes are going up, or the government is constantly in debt.