As for your example of someone price gouging on tolls, you're right that it will probably happen sometime, somewhere. But this is like being trapped in a burning building and refusing to run outside, because you think you might get mugged. Yes, theoretically it's possible, but the danger of the current situation is so great and so real that it's silly to worry about what (hypothetical) danger might befall you if you run out of the burning building.
I'm not suggesting we auction off all our roads to the highest corporate bidder over night. I'd like to see some sort of competition, where private roads could be built in addition to public roads, or if local municipalities were hurting for money they could sell roads to free up funds for things like police/firemen. The tricky part is how to fund public roads. The current system would put private roads at a great disadvantage, because anyone driving on them would have to pay the toll PLUS the gas tax, so they'd be paying double.
What you've said about the Fed makes my point perfectly: when we have a monopoly (public or private) bad things happen. Monopolies can naturally form, but very rarely. They are almost always a creation of the government. The Fed (a collection of private banks) issues its notes, which are then forced upon the public via legal tender laws. The Fed could never keep the charade going if the government didn't enforce their monopoly for them. The evil of the Fed isn't a sign of bankers run amok; it's a sign of bankers run amok who exist under the protective guns of a violent government. No government protection means no Fed means no monopoly.
Tu ne cede malis sed contra audentior ito
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