What trade-off does locke say occurs when people live under governments?

People make themselves the subject of higher authority when they become a part of the community formed to help each other.

Explanation:

According to Locke, the government was formed when a group of people come together and form a community to help each other. He says that before the Government was formed people had freedom of life, liberty and property.

He says that when people live under the government which was formed for the benefit of people, the government start subjecting to authority over everything under the goodwill of helping the people of the society.

As soon as the new community was formed, there were segregation of powers and authority among the people of community. Leaders were chosen and believed themselves superior from the public.

your answer would be just capitalism.