Just a protection money in a Muslim land, and that's less then the money we pay the GOVERMENT 20% or more not to include all the example I already mentioned, if u refuse to pay u don't get killed u just don't have the protection of ur self no property and will not be protected by the Muslim ruler of that land, leaving u exposed, but if u agree to pay anyone harms u or ur property is as if though they harmed the Muslim ruler himself. And the major point to rember it's optional an like the GOVERMENT tax it's imposed on the people by force.