Great post. Perhaps I missed it, although you hinted at it, the main difference between mutual societies and government is the element of coercion, versus volunteerism. Any mutual aid that is voluntary will always take into account all parties, because maintaining that membership is essential to the capital security provided by the society. Like here. No one is coerced into voting for new members to create equality. New members are instead encouraged to contribute and, or buy in, to achieve more prominence. It is incentivizing, versus the deincentiving methods of coercive taxation under threat of force, or if need be, violence. I'm guessing this was part of the writer's intent, do you agree this is the primary difference is the ability to associate, or disassociate at will?