Moreover, the logical extreme of this argument is to just not have a government at all. I don't need bridges because I don't drive. I don't need the fire department because I am careful. Etc. It doesn't make sense, and the truth is that some things either best administered centrally, at scale, and protected from market forces, and/or the inefficiencies of central planning are still better for society as a whole (even if not for you) than the alternative outcomes that would arise if you rely on various market-like systems.