And then you are reimbursed for the lost money by your private defense agency. And then they hunt down the thief and recover the stolen money for themselves, and after negotiation with the thieves private defense agency they also fine him heavily, keeping the profit from the fine as well as their yearly subscription fee from the opiate den. The commons house gets electricity from a power grid, which is owned and operated by a private industry. Partially it is also solar powered though, and it used to be powered by gas. The oil cartels attempted to price fix high, but then one of them realized he could charge less than the others and instantly got all of the customers. Then the others lowered their prices to his, and then another one of them lowered the prices even more so that he could get all of the customers. At the end the price stayed at about the lowest it could go for the producers to feel like it was worth it for them, and although they made a fortune they didn't manage to charge more than the price of oil today. The septic system works fine and it is emptied out by a private industry every now and then. You decide to go to a privately owned party house and as you are not a junkie you decide to avoid the junkie friendly establishment. Everyone is high on MDMA and LSD and nobody is worried about the police coming and enslaving everybody, because the house is protected by a private defense agency that protects its clients from slavery. Then you go to a restaurant, but first you check to make sure that they are certified by the private health certification company of your choice. You know that for them to be certified they must meet certain standards and agree to be randomly audited, and the health certification agency you have went with has it in their best interests to be as thorough as possible in their inspections, because they are well respected and make their money by auditing restaurants who pay for a chance at certification, and nobody cares to be certified by an establishment that certifies unsanitary restaurants as the sick customers will throw a fit and the value of being certified by that company will drop and they will go out of business. You don't get diarrhea from eating at the restaurant, and on your way home you are confident that you will not be stopped and harassed by any gangs or police agencies, because you are just minding your own business and you live in a city that is patrolled by multiple cooperating libertarian defense agencies. Plus you have a big ass gun.