In my experience there’s a wide range of libertarians. There are some who are what I would call “nonreligious Republicans,” who are socially liberal, but hate taxes.
And then there are - if I remember the name right - anarchist libertarians, who believe that there should be no government at all. I’ve had some very nonproductive conversations with some of them, because, well, they come off as zealots.
My take on it is that a system that transmits wealth created by people who work to people who own is a system that is itself created by government. For lack of a better term, what I’ll call the “billionaire class” has been tremendously successful in convincing people that such a system is “natural,” but it’s not. It’s just a system that favors one group (owners) over another group (everyone else).
While there is some overlap, anarchism is a separate and very different tradition, and closely associated with Marxism. Broadly speaking, (modern) libertarians oppose the state because they see it as a threat to private property, while anarchists oppose the state because they see it as a defender of private property.
The assumption that people won’t work until and unless you virtually coerce them into doing so (by creating necessity via the market economy) is ill founded, in my opinion. Lots of us would work “for nothing” if we didn’t need money to buy what we need. Including doing our share of the scutwork that isn’t known for being a lot of fun. We’d do it to feel like we were making our fair contribution.
Not enough of us? Keep in mind, when doing your comparison with the status quo, that bankers, soldiers, police officers, senators, investment capitalists, prison wardens, social security case workers, cashiers, tax preparation clerks, payroll administrators, appeals court justices, and a whole slew of people in other professions that are ancillary to the money system, criminal justice system, or the general management of authority of the conventional hierarchies cannot be said to be “working”, nor can the not-currently-employed amongst us — insofar as we don’t need anyone to do those things in a system not based on their principles. (Admitteldy there would be a whole raft of communication-related tasks that don’t currently exist).