none of these regimes are "by the people, of the people, for the people"
so, I'm not really comfortable aping the examples you list...
http://www.webopedia.com/DidYouKnow/Internet/ssl.asp
Those were the two most relevant links from Googling "ecommerce encryption". Regardless, without the ability encrypt personal and payment data for ecommerce transactions, it would've never succeeded.
Do you know what SSL means and how it works?
Do tools have value? If you make something with tools, it's not the tools themselves which made it.
Insurance doesn't product value, but it protects. It has monetary value, demonstrated by the fact that people make premium payments to maintain it. Many never collect a dime over the life of an insurance term.
All kinds of infrastructure is an indirect example.