You are talking anarchy which might work ok in small close-knit communities but only sometimes.
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Yes
Is a private sector
Weakness of bureaucratic discretion to a public sector management is a great value to a consumer because it allows discretion of a public sector management to be expressed fully.
Over 22 million public sector union workers are not paying for obamacare. (paid by taxes). The public sector unions' retirement and healthcare is paid for by taxpayers. ANOTHER THING: Although public sector wages are, on average, 44% more in wages and benefits, THEY will bargain to maintain that disparity at 44%. Guess who will cover THAT?
Most companies are in the "private sector" which means that they are not in the "public sector" (owned or operated by a government).