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RE: So, you're an anarchist?
You're Saying that everyone has to fund their own personal court of civil procedure. (Which is already possible btw) That's definately expensive and unaffordable for ordinary people who have no concept of law beyond the minimum drinking age or speeding ticket. You also haven't opined on how to handle criminal matters.
The great thing about non-hierarchical, de-centralized approaches to human organization is that we don't have to have a one-size-fits-all answer for dealing with our inter-personal issues. Some communities will deal with things one way, others in a different way. There would be a variety of DROs, court systems, mediation systems, unitive/restorative justice programs, and so much more available without people with guns claiming a monopoly on all dispute resolution.
Neither minimum drinking age or speeding have anything to do with law, they are both matters of corporate rule, and do not apply to humans, only "legal persons". The fact that so many humans have been tricked into operating as "persons" is one that could not exist without the violence of government.
Criminal matters (meaning there is a victim) would again be handled in a vast array of different manners by different communities. I mentioned this in a different comment, but it would be very worth reading "Atlas Snubbed", as Ken plays out a variety of voluntary criminal & civil disputes, ways to resolve them, and even ways to respond to those that ignore/challenge the decision.