I don't buy "love it or leave it". Forcing one's will on another is "original sin" in my view. I don't expect other people to follow my orders, nor yours, regardless of whether those orders are supported by a majority. I appreciate that you don't see it this way, but this is the key to understanding libertarianism. It's essentially a qualified pacifism. We'll fight to defend ourselves, but not to bully others for the sake of convenience.
And I do understand, it is just in error. If you walk into a store and intend to walk out with something you can expect to be required to pay for it. It is not optional. The same holds true for society. Paying for the benefits of society is not an option you can decide to forgo. It isn't an issue of "love it or leave it". It is a matter of paying for what you take.
No one "walked into" society, numskull. You are born in a particular location. So how does that give government the authority to take your money? You don't even choose to go to school. The government forces you. It uses force to make you pay for everything it does.
Choice has nothing to do with government. That's why the government has guns.
When you were a child your parents made those choices for you. You're not a child now.
Your parents cannot sign any contracts that are legally binding on you. When that was allowed in the past, it was called "slavery." As an adult, no one has the right to force you to pay for anything.
Of course a child's parent can sign contracts in their name. It happens all the time. And of course you can be forced to pay for stuff. Also happens all the time. You don't get a free ride, whether you think it is fair or not.
When a parent signs a contract for a child as a child, it is in reality binding on the parent, not the child.
A parent obviously cannot sign a contract for an adult or is binding on the child when they become an adult. They also can't do anything like destroy their credit that affects them