Hmm, my thoughts are that Societies don’t work for the reasons you both highlight. One path leads to debt, inflation, corruption and violence to maintain it. The other leads to underfunded programs that are not payed for with free riders And violence as individuals take advantage of the gap and lack of resources to provide enforcers so strong men willing to perform violence take over. You are both trying to have your cake and eat it too, you are trying to find a way to have the society we currently have when the scale of the society is the root of the problem. The problems that exist in our society are caused by the idea of what a “society” is. Once you get beyond Dunbars number, ethical human societies don’t scale. Because humans cease to see each other as fellow humans with common interests of protection and profit working together for a common cause of survival. Humans then find and militate on differences between themselves. Because a natural law of humans are that we are supposed to be in small groups. Free riders exist because of the scale of society. State violence and corruption exists because of the scale of society. Crime exists because of the scale of society. No one will be willing to give up what they see as the perks of a society (labor specialization, combined resources) so for as long as human nature reflects these non scaling properties, the very attempt of a large number of humans, will generate all the problems inherent in the society you are trying to solve.