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> do you get a refund because you didn't get the law enforcement services you paid for?

Maybe if you get in on the class action lawsuit against the city. There's no duty to protect (which is absurd, but apparently how this country works), but the premise of the lawsuit is that the city did worse than merely failing to protect.

Under the law, your taxes do not guarantee you any law enforcement or protection by the government.

This is a common misconception that people hold.

Wait 'til you hear about the police!