Knowing that you're covered in case anything goes wrong is enough to make the taxes worth it.
> I would prefer to pay for services I use
I invite you, sometime, to think about which services you really use, and try to figure out how much it would cost to purchase each of them if you were doing so on your own. Don't forget: police protection, fire protection, military protection, paved roads, functioning traffic signals and signs, groomed parks, trash collection (some places), up to sixteen years of education, enforcement of workplace safety standards, financial protection if you become suddenly disabled, a legal system in which to resolve disputes. I don't know what your specific situation is, but just about everyone benefits from those government services in the U.S., and you personally may benefit from many others. I'm guessing that purchasing the first three alone, as an individual on a private market, would probably outrun the total you pay in taxes.
You could lower the individual costs to you of a lot of these by finding a bunch of other people who also need these services, and pooling your money to buy them together. That's just how democratic government begins.
> have the money stolen from me by force
This is a dishonest characterization of the authority of a democratic government to levy taxes. Yes, if you don't pay taxes you owe, someone might come and take your property, and those people might have weapons or threaten you with imprisonment. But that is a measure of last resort, which will surely only be taken if you fail to respond to a long line of more reasonable measures. It does a great injustice to people who actually live under oppressive regimes to compare the collection of taxes under a democratic government to the kind of arbitrary, might-makes-right authority those people are subject to.
Furthermore, by characterizing taxes as 'stolen' money, you are implying that you somehow have an absolute or natural right to have it. Why do you think that? No matter what you do for work, the amount of money you take home is not the product of your exclusive efforts. It also depends on the protections you get just by living in a society that provides some of the services I listed above. You would take home a lot less if, for example, you couldn't rely on the police and legal system to prevent armed bandits from plundering your place of business whenever they please. You'd also probably be a lot less productive if you had to worry about such things on a daily basis. There's a lot standing behind 'your' money that isn't yours, by any reasonable measure.
> while people pretend it is moral because it is called "taxes".
A democratic government's authority to levy taxes does not derive from the name, nor from the force that it can, in extreme cases, use to collect them. Like the government's other kinds of authority, it derives (most people think) from the consent of the governed. Behind that phrase are some important and difficult questions, to be sure. But you are not helping to answer them by characterizing taxes as 'stolen' and 'immoral'.
