> but governments are at minimum accountable to voters.

Governments are at a minimum accountable to the people willing to use force against the government if they are sufficiently displeased. They may also be accountable to voters qua voters, depending on whether they have voting at all, and, if they do, what options are presented to voters and how fairly voted are counted, all of which are axes on which governments vary considerably, with many falling into ranges resulting in little or now accountability to voters.