[ObscureMind]

Is the state's army economically funded by a contract established voluntarily?

Can you start a private army to compete (not meaning fight it, but to provide the same services) with the state's army ?

If you have to pay for it (you actually pay for the army to force you to pay for it...), and you can't compete with it for the services it provides, it's not only a monopoly, it's also a tyranny.

[ggg3]

not really. you are just too poor. if you had the means to create the right connections, you could be paid by the army, like blackwater.