>>13941
>but what about banking in general?
Not everyone has money laying around. Banking helps the young, poor, and minorities start up their own business/expand said businesses.
>Aren't there alternatives to the banking system we have currently?
Yes.
>Is there an alternative that Libertarians would support?
It's called crowd funding and peer-to-peer microloans.
>Thoughts on the IMF?
look at >>12140
Ultimately a global-scale bank would fail unless we were a multi-planetary species.
>Why are they failing economically?
Social programs making people complacent/lazy, and the USA supplementing money they would have spent on military combined with the central issues of central banking (or really any long-distance central being), and identity politics have lead to them beginning to collapse financially.
tl;dr- Socialism and keynesianism is the reason they are collapsing.
>Why is the EU such a mess?
All centralized authorities are a mess. Doubly so for those sponsored with the intent of trying to homogenize hundreds of ethnically and culturally different regions.
>All of this austerity.
Would be a good thing if not for government.
>Just why is it happening, what does /liberty/ think?
See above and read that post I linked.
>Is the problem located within Social Democracy itself or, something on the surface?
It's ignorant of economics and reality- relies on feels.
>Thoughts on Neo-Liberalism and its effects that we see today?
Its concepts are in the right place at heart, but its policies are pants-on-head retarded/ignorant of reality, and are killing those who practice it.
>What's wrong with Neo-Liberalism?
See above.