Night Ripper wrote:
A state is a monopoly on the initiation of violence over a geographical region.
It does not have to be; the state is a monopoly on force
over a geographical region. Force is not always initiation of violence, as you illustrated in your example about the bank taking your house, there can be legitimate uses of force. The state can be an umpire, an entity with a monopoly on force in order to enforce contracts and property rights.