fire insurance includes fire department service. you can go cheap and risk burning down but it's more likely that decent friendly neighbours will gladly cover yours if you can't. or you can move to more affordable housing within your means
health insurance with discounts for taking care of yourself
competition between doctors and between pharmaceuticals driving innovation, skills and real results forward while driving prices down.
would you rather get chemo for pennies while someone else can get immortality for millions or would you rather pay millions for chemo equally with everyone else
private or shared roads according to free will and common mutual interest
i don't want just anyone to come in to my house as they please. or my driveway, or if my driveway is very long = my road
i'm responsible for my property amd my own actions. i don't want to tell you what to do and i don't want your money. we can agree to exchange things for mutual benefit and i will do everything i can to keep to agreed terms - staking my word and reputation
there is nothing wrong with public libraries or charity regardless if selfish or for common good as long as it's funded with free will instead of threat of tax prison
crappy mismanaged unused library should go broke while the good library can pay for itself with fees and donations
just like your startup
One of the reasons for a nationalised fire service was because Insurance-company funded firemen had a tendency to be arsonists.
You: "the market organises to elevate the best and raise standards for all others"
Everybody else: "And I'm the Queen of England."
"The market" is not some intelligent, charitable entity. It's an abstraction employed to talk about how participating entities allocate their resources. It categorically does not help everyone. In fact, in many cases it can hurt everyone (the most famous example is the tragedy of the commons, but that's hardly the only way markets can go bad). Read the OP: What is the market going to do for that guy with no money?
From your comments so far, it seems like you believe he should just curl up and die in the cold. And most people don't believe that's a good answer at all.
Which our op, with his subscription to police protection, believes he will be protected from.
Course he has to assume that he and the others like him have paid sufficiently to keep his mercenaries/rent-a-cops armed and motivated enough to protect them.
I'm fine with universal (modulo pacifists and those not capable of handling a gun) individual gun ownership. Combined with anything resembling rule of law, in that case armed robbery quickly drops off the list of "what it takes to survive", because it no longer results in long survival. The criminals will always be outnumbered.
But let's get back to the real topic. Fact is, I like libraries. I think they're very positive for everyone in many ways, in particular for being an intellectually-oriented gathering place.
New to these particular arguments, so your first sentence was perspective adding. Should have realized though that the strong libertarian bent to HN would make a lot of arguments old.
That said: In my defence, I'm neither for nor against the topic, and wasn't making the arguments you suggested I was. I was alluding to large groups of criminals overwhelming or out-gunning paid protection at some point of the scale.
As you said, lets get back to the real topic - libraries are great. Although it did seem like computer education and literacy was one of the major draws - perhaps people here could help by helping an NGO which provided volunteers to help people fill forms up or give them computer education?
I kind of think maybe a better reason might be because a commenter engages in trolling or some other behavior that's out of bounds, which might very well be the case here with Mikey7. But I appreciate having this thought process behind downvotes as they are actually used ("I disagree with what you say ... Downvote for you!") so clearly stated.
Even speaking as an agorist, your faith in the market is a little extreme. It certainly has some useful and beneficial efficiencies to be sure, but believing that it will simply elevate the best and create a rising tide that will raise all standards is a little naive I think with regards to what we see in the world where markets reign.
Assuming humans are perfectly rational agents with equal information it works, but that's not how humans really are. Humans are dumb, panicky, emotional animals, and the difference between the most incompetent of them and say cows are not as wide as our politically correct institutions would like to force us to believe.
You would do well, even in an ancap society, to voluntarily donate to charities that pursued socially beneficial objectives so that you reaped the benefits of their actions. This is pretty much the ancap response to tragedy of the commons. Vaccination and libraries are not a bad example of where this makes sense imho. There's nothing strictly contrary to ancap doctrine to point out that choosing not to clean your proverbial home will result in you living in a mess, so you might want to do that occasionally.
It is not enough to point out that simply because states provably fail, markets are perfectly efficient.
Political discussion has, for a long time, been discouraged on HN. Down-voting is one way to encourage people to stop.
Also you'd be pretty hard pressed to say that this question isn't expressly relevant to the original article being discussed, and isn't overtly political in the sense that noone is agitating for votes or any such thing.
"Do buyers and sellers go to this man the way people go to real estate agents for their services? What would Craigslist buyers and sellers think of what he does if they knew about it? Respectfully, I think they would strongly prefer he weren't interfering."
"I doubt very much that sellers would appreciate this liquidity 'service' if it were spelled out for them. They would feel cheated, as would the buyers."
Pretty outrageous, in retrospect.
Two in just the past hour with a quick look at recent comments + one 40 days ago where I noticed it first started happening;