You are here

Impelled to Have Contracts

Here's the list of things that most people in the West are more or less of impelled to have contracts for, just in order to lead a normal life. Haven't included anything that can easily be eschewed without inviting unnecessary risk, inconvenience, or hardship:

Debit/credit card
Home contents insurance
Cell phone

I am subscribed to 9 such contractual arrangements, covering all 6 of those categories (multiple banking ones).

Here's a list of things that some of you may have been impelled to sign up to, depending on how strong the public sector is where you live:

Waste removal
Income protection instance

I happen to be subscribed to 1 such contractual arrangement (parking), but that's purely for my own convenience.

Here's are some additional things that many people will have signed up to contracts for:

Life insurance
Buildings insurance
Home security
Vehicle insurance
Vehicle recovery
Pet insurance
Product warranties
Gym membership

I am subscribed to 6 further contractual arrangements across 6 of those categories.

I've identified 29 possibilities in total, and there are probably some more out there. I'm personally signed up to 16 contracts across 13 of those categories, which isn't that many. Could ditch 5 of those quite easily, leaving me on a bare minimum of 11. Most people will likely require a few more.

If I was living in a communist society, then I wouldn't be signed up to any. That would be preferable to me, since less of my time would be wasted dealing with all that stuff. As it stands those contracts probably consume around an entire day of my time scattered throughout the year, what with renewing them or shopping around for better deals.

In Ancapistan, most people would likely be signed up to most of those categories. Putting them on around 25 at a minimum. But what other things would they also need contracts for?

Here's what I envisage as standard, just off the top of my head:

Personal Security & Defence
Legal Defense

But then it struck me, that in addition to those, a market would be created for various regulatory protections. The demand for the stuff that the state covers wouldn't just magically dry up, and private standards agencies would spring up to cater to it instead. Think of this as a sort of 'privatised socialism', and there's way to much complexity there to be handled by you local PDA who also need regulated hur de hur.

Traders would then be impelled to sign up to regulatory charters, because their customers would be signing up to private protection plans.

Before someone went ahead with contracting a PDA, they'd subscribe to a regulator that covered PDAs, then select one of that regulator's accredited vendors. Anyone with common sense would want to do the same in relation to their food, their a car, and their medical plan, etc. Vendors seeking to maximise their trade would want to be accredited to as many of these agencies as possible, creating a market in blanket accreditation. It would almost be like a regulatory tax on business and landlords... except it would be voluntary because they could choose whether to sign up or go bust.

Here are some classes of private regulator that people would doubtless want to subscribe to for their own protection. There could be any number of specialist regulators all competing to out regulate one another.

Private Housing
Consumer Goods
Financial & Insurance
Private Transportation
Public Spaces
Individual Vetting (for childcare etc)

There'd probably be many more - just scan through a list of national and local government departments to get a feel for what. The. Private. Regulatory. Sector. Would. Offer.

These regulators would likely form strategic alliances in order to offer comprehensive combined plans covering most of this stuff at an affordable price, providing people with peace of mind that their landlord, their employer, and any businesses they transacted with were being held to account. The upshot is that these would likely all be covered by just one contract, in addition to the 28 or so other contracts that I already highlighted.

It's not just cappies that can replicate aspects of statism via the backdoor; it's a free market. If there's a demand for statism then a market in statism will be created, and entrepreneurs will rush to fill it.