It is no coincidence that the primary argument against individual firearm ownership is that those individuals may use said firearms for ill gotten ends, or that they may cause unnecessary death and suffering. In the same way that proponents of RKBA recognize that that the death/crime rate is actually lower when individuals possess the freedom to keep arms, we should also recognize that the poverty rate is actually lower when indviduals possess the freedom to collect wealth. Arguments to the contrary of both of these statements are emotionally pithy, but don't stand the scruitny of history or objective study.
Outstanding point.
There is a concept known as the "moral hazard" which is defined as "
Lack of incentive to guard against risk where one is protected from its consequences". It is used a lot in economics but it applies pretty much everywhere in life. When one relies on others, or can place the responsibility for something on others, whatever they are doing tends to be done in an inferior way than if they are doing it for themselves. The examples are everywhere. Look at public ranges even. Trash is left everywhere because "It's not my land, someone else will clean it up". Graffiti on public property, welfare and unemployment abuse, and so forth. Parents relying on teacher to rais and feed their children. Wherever a human can shift the blame, responsibility, or cost for something onto someone other than themselves with no consequences, they do so. And the vast majority of the time, things end up worse for it.
When one must take care of themselves, it tends to be done better. When it's your property, you take a little more time keeping it clean and working. When it's your money, you make sure it's spent a little more wisely. When it's your life, you go the extra mile to protect yourself. In each case, when you must do something, fix something, clean something, and especially
pay for something yourself, you tend to do it a lot better than if someone else was doing it for you. And it goes both ways. When you're doing something for yourself, you do a better job than if you were doing it for some unknown "other".
This relates to individualism vs. collectivism and guns in that there is indeed less crime when people can protect themselves. There is less tyranny when the citizens are looking after themselves. Whenever you sell out your own protection, whether from a thug on a street or a tyrant in the capitol, the quality of that protection is degraded.