If you don't want people to bother you. Join a crew. Put a bounty on someones head. Buy Call of Duty - learn to shoot, come back and defend your f*cking self.
To save you some time, you're right - it isn't your right to drive around in peace going to work and playing darts. This isn't the f*cking Sims. Oh you want "3D multeeplayer chatroomz"?? www.secondlife.com - you can cyber sex too.
When you're at the golf course, just chilling with friends, some lunatic rolls up on you.. do you NOT have a weapon? Empty your clip in his face, teabag his corpse and add whatever money he dropped to the wager of your golf game. Tiger Woods PGA tour has MULTIPLAYER. You wanna be passive fruits? Walmart has the game on discount, gotta move quick though, you snooze you lose: