Ah, this again. Is there something special about all those services that makes them impossible to provide with money that has not been extorted from millions of people?

Yes. It's called a coordination problem: http://raikoth.net/libertarian.html#coordination_problems

That FUD is not relevant to my question, and I don't have the time and energy to dissect his contrived, unrealistic fearmongering scenario now.

But for example, why would other people let Mike pollute the water despite everyone else having signed the "Filter Pact"? Mike's selfish actions would directly affect other people making a living, and therefore, some kind of intervention would be warranted - and would happen too! After that, everything is fine again.

Even if you're silly enough to argue against your own freedom, you can't just leave things at presenting a problem, expecting it would not get solved, and thinking you've proven that freedom "doesn't work".