Aha. This explains your negative view of libertarianism. You don't understand it. It's not about money. It's about freedom. Money is simply a natural outgrowth of freedom. Consider: if I ask you to do something that benefits only me, you have the freedom to say "no, fuck you." So, I have to offer you something in return. Could be barter, but money is more efficient, because it is freely transferable. People have a problem with taxes because, if you're taxed at ~50%, that means that for six months out of the year, you are working as a slave laborer for the government. They take the fruits of your labor and give it to others. That is, indeed, a bit of an oversimplification, but it makes the point. Libertarianism is about liberty. You may decide not to work and drop off the grid. If you can survive that way, great. Thoreau did that -- he wasn't concerned about money or possessions, he cared about liberty.
That said, most libertarians are not anarchists. They understand that there is a role for government, because of the "free rider" problem identified by economists -- e.g., "why should I pay for national defense if everybody else is going to pay for it, anyway?" I'm an attorney, so my whole career is predicated on the notion that the state should use its police power to enforce certain express or implied contracts. The government also serves a social insurance function, because a crack baby is incapable of buying a private insurance contract to cover her own health care, child-rearing and education. The problem with a welfare state, however, is that it encourages and rewards free riders. My brother is a professor, and most of his work day is spent applying for government grants to do economic research that no one gives a shit about except him. (And he makes fun of me for being a blood-sucking lawyer!) At least he works. The notion that the government can force you to work primarily for the benefit of others is not only economically inefficient, the libertarian would say it is immoral.