if only there was a way to not even expose yourself to fraud, foreigners OR non-foreigners. If only there was some kind of way we could protect ourselves and so

if only there was a way to not even expose yourself to fraud, foreigners OR non-foreigners. If only there was some kind of way we could protect ourselves and society from having our money be stolen by a central body and given out not in accordance with the rules the central body has stated, but is so obviously poor at enforcing properly. I dont quite see how it would work, but imagine if somehow it could be that I as a parent would simply arrange to pay for childcare services myself, instead of having someone steal my money with the threat of being put in prison, and then petition them to pay a childcare service I have identified. I cant quite figure out how it could work myself, as this middleman is obviously performing a service that I would never be able to do myself, but maybe smarter heads than mine could prevail, and come up with a societal structure where I can somehow just go pay my nanny, instead of having someone else do it with money they took from me.