.. and governments are the same.
I believe we already live in a form of fascism where business and governments are aspects of the same entity.
> The state can, at least in theory, be structured to serve rather than exploit us.
I disagree. It can soak up believers energy though, forcing people against others who they have no personal issues with.
> On top of that, the idea that individuals have the time, energy, or inclination to completely manage their own "reality" rather than relying on external authorities is daft imo.
It might be daft in your opinion, but assuming the answers you want will be provided externally could be a working definition of insanity, imo.