[escherize]

No. If you volunteered into a contract with a company or group who would protect you, then you would indeed have a moral obligation to pay. It's theft to levy taxes for involuntary services. Explain to me how a mafia boss coming into your store and offering you protection is different than your much-better-equipt government.

Your second paragraph is an excellent argument against democracy.

[Chris2048]

The usual implication is that the mafia boss will themselves create the harm that they are protecting you from if you don't pay.

[chrishynes]

Exactly. The government will send men with guns to get you if you don't pay.

[Chris2048]

This is different - Without the mafia, there is nothing to be protected from. The things the government protect you from exist independently.