The same old service as before is an ongoing cost for everyone - loans are taken for municipal projects that the city pays back with taxes, pipes break and have to be repaired, if there's a natural disaster outside funds will repair the service, etc. To some extent you pay the utility provider for your use, but not always.

There are even more things you definitely don't and can't pay for your own use - fire stations, police, the salaries of the DMV employees that regulate drivers licenses so someone who doesn't know how to drive doesn't crash into your house. There's a huge long-tail of public goods that serve everyone in every urban or suburban area, no getting around it.