Why do you want the governement to manage your money? Well, most libertarians are minarchists. They want the state to manage justice and police, and nothing more. A small state.
As a libertarian I don't want ID cards, I don't want gun restrictions, public schools, and the likes. I want responsability. If you can't manage to pay for school for your children, don't have it. Don't make us pay for your errors. This is getting worrying in Europe, where I live.
We pay A LOT of money to subsidize the lazy and bad people of our society, and they laugh at us for doing it. The dumb people are still having 8 childrens per marriage while normal marrriages have one or two. This is getting very hard to sustain. How much time will this system last? I don't think much more... in my country the government is socialist, but they are imposing libertarian measures because if not, we are going to get out of money soon.
For example, in my country we pay with our taxes the culture. Our movies doesn't make money, they are sustained by taxes. Our poor people gets free housing while the median class pays 30 years for a mediocre basement.
We pay 8,5$ a galloon of gas thanks to taxes. We have to pay 1500$ and a lot of practice classes and a theory exam, and despite that, we have the same amount of accidents than the USA. The same car costs about 35% more in my country than in USA, thanks to taxes. And then, we pay a high tax every year for having a car. And another 500$ tax for putting an ID in our car.
We have an enourmous amount of public workers working at offices for the gov, people that earns a lot of money and can't be rid of. They become lazy because its very hard to throw the lazy workers out. If they want more salary, they paralize our country for months until they get more salary. The Postal Service is managed by the gov too, and it works like shit. It works like a 20 or 30 yeard old service, computers and electronics are not used by the customers. I usually wait for 30 minutes or more for receiving or sending a package. We can't do anything. Lazy workers and bad system... and they don't bother trying to fix it. They don't need to, they don't have competence, life is great.
It's very hard to open a business. You pay a lot of money for it, and have to wait weeks for the permission. You can't even build a new room in your house without the Government permission, I waited 3 months until I got the permission. It's usual.
If you are married and you become separate, if you had a child your wife gets your HOUSE for her and her children, EVEN if you paid your house before getting married. Then you have to pay a monthly fee for your children. Feminist lobbies have a lot of power in our country, they run a sector of the socialist party.
Our benefits? Two.
1- Our public schools, that work like shit because the bad students can't be gotten rid of. It's very hard to manage them. Where could you send it? Another public school? We have a lack of discipline, there are thousands of cases of professors being bullied, insulted...
2- Our public health care system, where you have to wait 10 months or more for an important operation. People with money pays for private healthcare tought.. even if they get A LOT of salary taken off to pay these systems. It's very hard to improve them... every public worker wants to earn A LOT of money for the minimun job... and they have a lot of power. They manage our hospitals, our schools, our postal service... we have to obey them.
Of course we get around the same number of killings per habitant than the US but we can't carry guns, etc. Only the cops and thieves do.
My country is Spain by the way.
We even pay 15€ per hard drive disc, 50 cents per DVD-R, 4€ per cell phone, 10€ per a scanner etc. bcause we COULD copy with it. If you copy is still ilegal... but the gov gets the money even if you don't. And if you do, then jail.
This is socialism. It's an anachronic ideology. I'd prefer a responsible society, I'd prefer more freelancers and less blue-collar workers. Sadly, socialism makes it hard to be a freelancer due to high taxes, papers, legislations... it's very hard. They create a society of workers. It's hard to create your business, is hard to try to get money because you are going to get it stealed by the gov due to HIGH taxes.
The biggest problem is our housing market. We pay 3 times the prive of a house in the US while we earn 40% less money... because the gov controls the ground.
My perfect society has fiscal pression of 10-11% instead of 40-50% like we have in Europe. It doesn't bother with your life. It let's you be free. People are responsible due to this, they can't get their things for free, and a lot of them are freeelancers. They are their own bosses. After all, you only need a computer to be your own boss.
It's amazing that my country hasen't gone to the shitter yet. But it is going. We get more poor people every day, our industries doesn't work, etc. Factories being closed every month. We are going backwards. Asia is going to fuck us badly... and I approve that. Natural selection applied to countries.