Who is going to attack to average Joe? Average people will organize together to protect themselves. Why would you not protect your neighbor in return for him protecting you? Why would you not both pool your money towards a shared neighborhood defense fund and hire a security agency to protect you? There already is tribe warfare, don't you know about the crips and the bloods and the CIA and the FSB and the police and the Zetas? There is tribe warfare going on already, and for the most part the average citizen is left out of it. Where they are not left out is in their forced funding of some organizations such as the DEA and local police. They have no choice but to pay these extortionists. Of course the Mafia in particular and many other tribes will also participate in protection rackets, but not to the extent done by the government gangs. The government already has people indoctrinated into thinking they should give them money, and they have a huge and sophisticated collections agency. So in your world there is tribe warfare, and the majority of people pick the rules of operation for the well established police tribes, in return for funding them (which is actually EXTORTED from them). Make that funding voluntary and you will find the DEA has a big gaping hole in funding where peoples extorted tax dollars used to be. Most people just do not give a shit enough about drugs that they would voluntarily fund the DEA, even if they are against drugs they are not going to be so eager to separate with their money if they are not forced to. The DEA will then fund itself by robbing drug dealers, as they already do but it will become even more important if people are not forced to fund them via taxes. But these drug dealers are making money selling drugs as well, and it is in their best interests to hire a protection agency. This protection agency is NOT concerned with what the average person does, but it is concerned with treating DEA agents as kidnappers and robbers. A war between these tribes must happen, and already it is happening but you take the perspective of the government agencies NOT being warring tribes but rather enforcers of laws and that is where you are making your mistake. You also put far too much confidence in the concept of democracy, democracy does not work in a world where large majorities of people are susceptible to brainwashing in various degrees.