I won't answer you here, as I most likely will have an upcoming series on this topic, but I think your'e pointing to a real problem within the anarcho-capitalist communit. I think it might actually be the one thing that holds us back the most.

Very few people go further than listening to a few "enlightened" people go on and on about the immorality of state agression. Very few actually try to create systems capable of REPLACING the state. Indeed, for most people this is even a bit scary to talk about.

They go "What?? You want to replace government with a 'SYSTEM'??!!"

Yes, I do. Consider a cooperative: It is not collectivism, it is not forced membership, it doesn not have monopoly powers, but cooperation can help a lot more people than one person in the streets handing out bags with food. "Teach a person to fish" as the saying goes.

What about survailance, is it always bad? Well no.
Imagine that a cooperative employing its own police ("defence agency") started aiming those cameras and agents of survailance at their police employes during work hours instead of, as the state does, against most citizens.

Anarcho-Capitalists need to get over this fear and illusion of "scams" and "collectivism" in every corner of the world. It's not always there, sometimes people trick themselves and then they go on to trick others.