Couple things. Some of us won’t have security agencies. At least at anything beyond a basic tier. There’s other options. For some of us anyway. I got thousands of relatives in this county and the adjacent one. Call it a 50 mile radius. We’ve all got weapons. That can be a ready built equivalent for those eligible for membership but one based on the honor system. Settling it in court also assumes both parties, whom presumably think they are in the right, are willing to accept part of the whole as a compromise or abide by a ruling against them when no one can really intimidate them into it. It also assumes they value giving up what they see as their legitimate claim over spilling blood. Small stuff? Sure. Big stuff? How much blood we talking? How much of it is on the other side? How much is on your side? What are your chances of victory? Those conflicts happened all throughout history in the absence of a state. Maybe they don’t if we get rid of the state but I wouldn’t count on it.
I was talking more about paying the piper in terms of the blood on one’s hands. Government advocates being culpable for everything the government does to keep order. Anarchists like myself being on the hook morally for things like duels and feuds that might very well be inevitable under our preferred system when we could prevent them by exercising violence against everyone on a lesser scale constantly to prevent large flare ups here in there by having an organized force with an effective monopoly on force. Us anarchists making the decision that a certain amount of blood being spilled in disputes where both parties think they are in the right and have sufficient force projection to prevail flare up as the cost of our system being in place. Just like statists should accept the moral negatives of the state as the cost of implementing a system that puts the kybosh on those flare ups.