Can you cite this? Molyneux is terribly wrong on a number of issues. There is no reason for a person to be required to hold a “subscriber card” to any security provider. See this thread for instance.
Many people prefer the known premiums of a life insurance policy to accumulating capital on their own in case they die. Many people would agree to certain terms in order to have an agreement in place with police who patrol their streets before something happens. Still, there is nothing stopping a victim of a crime from forging a new agreement with a provider after the fact.