This still isn't a great example. It would be perfectly simple for you to come to a voluntary arrangement with Bob in exchange for his protection, without suggesting that he's inherently entitled to anything.

The real counter-examples comes at larger scales. At a certain point it becomes impractical for a large number of people to individually make voluntary agreements about their responsibilities to each other, so generally people agree to some system of deciding rules, and agree to the outcome of those decisions in advance, without consenting to each one individually.