I disagree that you can avoid using these services, because I don't think that things like public schools are a service only to their direct recipients. Even families that can afford private schools for their children benefit from living in a nation with a high literacy rate. I'm not a 'customer' of my city's social services, but I benefit from having fewer people bottom out and end up on the street.

Monopolies are really hard to avoid, which makes your statement seem a bit logically inconsistent. Combine that with the impossibility of avoiding services like military protection, the public education of your community members, the regulation and insurance of the financial markets your money flows through, plus a whole host of other things, and I have a very hard time believing your dream of avoiding government services is in any way attainable.