I was thinking on this a bit more today as I came home from getting garden supplies and realized that one very simple thing that could be done with no government would be to group up with 3 other individuals that also worked (preferably neighbors) and see about each pitching in 20% (still 20% better off than with a 40% tax rate) each to hire someone to guard your property while you were working.
Save up the other extra 20% and slowly purchase weapons with which to defend yourselves and, if possible, travel to work together.
Of course, without knowing the reasons for the horrific crime rate, it would be almost impossible to propose rational answers to them.