... and inevitably, only the rich will enjoy these services, since they will leave any 'club' that gives them out for free to those who can't afford it. The poor will either rely on the protection of their masters, or fend for themselves in a world where any criminal knows there will be no repercussions for robbing or killing someone who can't afford protection.
Welcome to medieval Europe
So you are saying...the rich will eventually leave the 'clubs' that are giving away free stuff to those who can't afford it?
Like how people tend to emigrate from states with high taxes and move to low tax states?
Perhaps we should build walls to keep the rich in?
Welcome to Stalin's Russia.