I think this is pure free markets are the only moral structure, coercion is immoral, etc. ideology. I do not find it compelling because adherents' apply the "coercion is wrong" absolutely when it comes to governments enforcing it through fines, but deny economic coercion applies when e.g a bank charges overdraft or late fees no matter how ludicrous.

There is a suggestion that ultimately a bank doesn't put you in jail, where governments can do that if you continue to not pay fines. But increasingly governments take unpaid fines from income tax refunds or other mechanisms for collection rather than consider outstanding fines a criminal offense rather than civil.