Why is libertarianism so infallible?

It is due to it being the application of political science. It does not permit failed policies to be continued fruitlessly year after year with idealistic fervour, it is next to impossible for anyone surrounded by fierce libertarian critics to continue clinging on to lies. It is a purely functional machine, lubricated with justice and fueled by free speech.

With less tax and what tax there is placed using market forces everyone will be richer and have the cash to spend on social security or whatever if they want it.
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People will be richer because of lower taxes? What about the peripheral effects of a weak government?

Also, just a guess: you've never dealt with insurance.