These arguments would be true if most of our economy and transactions would indeed be centered on things we absolutely need to survive, and the difference betwe

These arguments would be true if most of our economy and transactions would indeed be centered on things we absolutely need to survive, and the difference between being able to pay and not would be life and death. It's not. Surviving in any modern first (or even second) world society is laughably easy. So I think we can safely describe most of the transactions as being "voluntary", yes.