I would argue that most libertarians aren't anarchists, but it's a popular strawman tactic from those arguing against it (particularly on the left). It's almost a cliche: "You know where is a libertarian paradise with no government? Somalia! Hurr durr!"

I think we all agree that government has problems. Libertarians just think that the problems of government are inherent and fundamental, so the solution is usually in less government (but not no government), while "liberals" (huge spectrum here, I know) seem to think that the answer is more government.

And we all agree that we need better government, but libertarians think that public accountability works better the closer the citizenry is to the decisions being made, and liberals seem to favor more centralized decision-making, I guess for efficiency? I'm not entirely clear on why :)

Universal healthcare being one example (at least our system seems simpler than your deductible / premium / medicare / medicaid / etc. chaos), UBI being another.

Also, don’t know what “our system” or “your chaos” refers to, but if it’s the setup for another screed about how universal healthcare is superior to the current US system, save the wear and tear on your keyboard. I’ve heard it many times and I agree.

I'm not saying it's all libertarians, but I have interacted with quite a number on the net, over the years, who would scrap those things entirely. I, personally, think inefficient government is a price worth paying for such things, but that we must seek to do better.