But what if the neighbour disputes my claim and call his agency, which may of course be differrent from mine? If the two agencies cannot agree, libertarians claim, they may refer the case to an arbitrator, who again would charge for her services. After all it is not in the interest of either agency to get into a fight. So there would be a primary market for protective services, and then a secondary market for arbitration sevices to deal with disputes - unless of course everyone chose to sing up with the same agency (but why would that happen?). And the other services that the state now provides would also be handed over to the market-people would take out health insurance, pay to have their children educated, pay to use toll roads, and so on.