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I'm not under that assumption, that's why I said that part of the puzzle is strong public education so that people learn that they need to be thinking critically about everything
Which is where the stronger social safety nets and limits on corporations come in. If I wanted to start up, let's say my own ISP to compete with the likes of Verizon and Comcast in my area, that idea would be dead in the water. They're in charge of a ton of infrastructure that should be public, and have shaped regulations so that it would be nearly impossible for anyone else to break into the market here. That just shouldn't be the case and that would need to be fixed.
And as it is right now, I don't have the time or money to invest into that sort of project, because I'm a wage slave that needs my current job to feed myself. With better social safety nets like UBI and affordable housing, I could leave or at least step back from this job and be able to dedicate myself to that, attempt to raise funds to do it (which would be easier because people would be better educated to understand that it's really needed, and more financially secure themselves to be able to help fund it, plus the increased regulations would mean that banks couldn't hold their purse strings quite so tightly if I needed loans to make it happen) and recruit others to my cause with the other necessary skills and qualifications to actually implement it.
This couldn't be an overnight change, if everyone got onboard and actively worked towards it, maybe we'd start to see some tangible signs of things shaping up the way I'm envisioning in 2 or 3 generations. I probably won't get to live in the world I want to create, we just need to change too much about how people think and act. And a whole lot of the steps to get there are basically socialism, regulations, redistributing wealth, social programs, etc. to make sure that people are on a more even footing and educated enough to understand what their responsibilities are and how to effectively use their money so that we can start slowly peeling back some of the regulations to let people make those decisions for themselves.
Strong public education does not necessarily lead to critical thought. I think you are right in the respect people need critical thinking to engage in a civic society that respects human rights.
You are never going to be able to compete with a natural monopoly nor should you need to. I think you touch on, but don't identify that regulatory capture is the problem. This is a byproduct of corporations getting way to powerful. I have never heard how a libertarian minded person intends to solve this as peeling away the regulation is nonsensical in its description of what is necessary.
I don't think UBI is going to be the panacea you think it is. It could easily be used as a tool of control much the same way social welfare is handled currently.
Not a lot to disagree with here honestly, a lot of decent thought but very speculative to say the least. I think expecting every human being to have excellent critical thought, a deep understanding of policy, and to be an excellent money manager to boot is a bit unrealistic.