the goverment's role isn't to be a monopoly, it's to provide and enforce rules. otherwise the strongest player will coerce everyone to their own rules via force. it's naive to think that without governments everything will suddenly be better and cheaper - on the contrary, there will be a period of anarchy where no fair trade is possible because fraud won't have any consequences and after that the strongest players will form a kingdom or whatever with support of many tired ordinary people who just want to live.