Ok..I think I am understanding you. However, with or without government it seems that a monopoly would occur. Once somebody gains an advantage that allows them to gain financial power over others they then have the ability to create a monopoly. If there was no government at all, somebody would soon rise to the top to control all others. In my view government is the only thing that can prevent a monopoly through regulation. However, it is only able to do this if it designed in a way to prevent its own capture.