gofaster: You call a roofer when you need a roof. You see his service and then you pay him. And I can - and do - buy protection when I need it.
You pay a cop whether you realize he's protecting you or not. Or protecting someone else on my dime far away from where I live. Or just harassing someone smoking a joint or not wearing a seatbelt or smoking in a restaurant who pose no threat to me whatsoever.
You may not always see his service. I do not see a service provided to me by life insurance - and never will even if it becomes necessary, but I am paying for it.
I paid $600 to do complete water quality test in my well.
I am paying for many things that are usefull to me that I do not see every day.
Next time you hear a noise in the night, be sure to call the roofers. I have plenty of private security arrangements of various kinds.
In fact the employment in private security services in US by far exceeds the police many times.
As for your communist argument that that except government police there is no one there to help me - I have heard it many times from the communists in the Soviet Union.
Sure - without a state owned collective farm there was nobody to feed me - because the state would not allow anyone to!
And if there was no state-owned factory to provide me with a job, I would have had no work, because no private businesses were allowed.
And if there was no government policemen to protect me, I would have been defenseless. Right...

miko