“governments insure the citizens again anything possible and impossible.”
Government may insure, but it does not necessarily provide. Consider healthcare:
Americans fail to understand is that there’s a big difference between universal coverage and actual access to medical care . . . Simply saying that people have health insurance is meaningless. Many countries provide universal insurance but deny critical procedures to patients who need them. Britain’s Department of Health reported in 2006 that at any given time, nearly 900,000 Britons are waiting for admission to National Health Service hospitals, and shortages force the cancellation of more than 50,000 operations each year. In Sweden, the wait for heart surgery can be as long as 25 weeks, and the average wait for hip replacement surgery is more than a year. Many of these individuals suffer chronic pain, and judging by the numbers, some will probably die awaiting treatment. In a 2005 ruling of the Canadian Supreme Court, Chief Justice Beverly McLachlin wrote that “access to a waiting list is not access to healthcare.”
“Is it possible to pay an insurance company to insure yourself against anything possible?”
Total insurance is possible, but unlikely. Insurance is a risk pool. The more risks covered, the more likely members will withdraw funds from the pool. Too many withdrawals can bankrupt an insurance company. To prevent that premiums and limited covered are used.
“What if the insurance company goes bankrupt? This is a much more common occurance than a government going bankrupt.”
Governments steal. Maybe if I had theft insurance, I could avoid that.
“The problem with a market solution as far as I see it is that a co-op requires an organization of many thousands if not millions of people.”
The essay I, Pencil by Leonard Reed details the extensive cooperation used to create a pencil. Not being able to understand something, does not make it impossible. For example, I do not fully understand how my computer works. It is filled with different parts that interact in ways I do not fully understand.
“The other problem will be a with a natural monopoly.”
Potential private monopoly compared to government monopoly: which do you prefer? The one funded by consumers or the one funded by taxpayers?
“If the inrastructure is extremely costly and it is just not feasible to have two infrastructures”
Getting a loan could help.
“how can we make sure the electricity company will not gouge prices (having no competition)?”
Gouge is an emotional word lacking quantitative specificity.
“Is there a free market solution for these cases?”
Fire insurance can disincentive people from building in fire prone areas. Regardless, disaster can happen with or without government.
“Do you think forests should be privately owned?”
Yes.
“After all if the government can do this by force , why can’t the free market do it voluntarily?”
A government can conscript a large military. Voluntary recruitment would be more expensive.
“Why wouldn’t an insurance company offer the same kind of insurance the government offers?”
Governments can tax, borrow, and print money. They can fund unsustainable insurance scheme for years before it collapses or has to be restructured.
“are there books about free market solutions to things currently performed by the governments?”
What do you consider a problem? A fellow user asked if the free market could present insider trading while other users considered insider trading to be desirable.