In the example of roads leading to individual properties they're mostly unadopted, so people don't pay for those anyway. Which is right. People know best how to spend their money so I wouldn't have any concerns in that regard.
But what if you and your neighbours disagree about how best to spend money? You all share a road and it’s become impassable. Imagine you want to repair it because you’re disabled and you need to drive to your front door. Your neighbours are happy to park elsewhere and walk around the damage. Then what will you do? You can’t afford to pay tens of thousands of pounds to fix the road yourself. You can’t get your neighbours on board. Nobody else is going to take responsibility. What’s the solution?
What about things that you can’t individually pay for, like the army? What if the majority of people opt out of funding it because they don’t see the need and would rather have the money in their pocket. Suddenly we can’t defend ourselves. Russia decides to annexe the U.K. What’s the solution?
And private firms would run these services and set a flat rate subscription, or possibly gold silver and bronze levels depending on how much you use the service
How would this work - say you pay a private security company for a bronze level service. Does that mean they’ll come to your house if you have an armed intruder, but not if it’s just a weird man in your garden staring through your window? Or if you can only afford bronze level education, your kids will go to school but they’ll only be taught maths and English? Is that ok? How about bronze level healthcare - fine if you break a leg and need it set, but if you want chemotherapy at £10,000 per month you’ll need a gold subscription?
What happens to people on low wages who can’t afford to pay for these services? Do they get no protection, education or healthcare? Is your ideal society one where if you earn enough you can privately pay for services, but if you don’t you simply have to try and survive without the benefit of police, schools, doctors, infrastructure and the army?