Why is libertarianism so infallible?

Libertarianism is the inclusion of every sapient being into the decision making process and all that logically follows from that. Utilitarianism is the objective of ensuring the most happiness for all sapient beings and all that logically follows from that. Sometimes they compliment each other, other times they contradict.

Discuss.

>>255
It still all has to be paid for and the resulting bureaucracy and inefficient management due to seperation from market forces is of greater expense than non-intervention.
>>256
"So you would still be paying for them"
And you pay less if the insurance company offers discounts when you install fire alarms, burglar alarms, sprinkler systems, regular check ups with a GP and can prove you are healthy. Of course you have the freedom to sign another deal or go to another insurance company if you believe that these policies unnecessary or you are being charged too much. I'd like to see you talk an IRS agent into giving you a discount for installing a burglar alarm or convince an anal retentive safety inspector your corrugated iron tractor shed doesn't need a sprinkler system.

"The question is how do you make sure that all the people pay insurance?"
Why stop there? Why not employ 10000000s of illegal immigrants to line the streets and look both ways for America's citizens before they cross?