I mean is it that hard to imagine? We have subscriptions for everything these days. It could even be bundled into one service with other things. But, you would have multiple vendors and no "thin blue line" nonsense.

Bob simply goes through some possible approaches. Most would be related to insurance companies being regulators where things clearly need some sort of rules. Many government functions are legitimately valuable but poorly executed because of the monopoly and lack of a profit motive. I'm not on the top of my game today so I would refer you to Bob's short book vs. me trying explain it while dealing with a cold.