You explain the problem pretty well yourself when you say that we have to think in the framework of libertarianism.
Thats like saying you will believe in Jesus once you let him into your heart.
If people wanted a health inspection organization to rate restaurants it'd exist. Since the govenrment already monopolized that field it doesnt. Okay, it sort of does, it's called Yelp.
Anyways, the point is pretty clear, we have all sorts of "trust" systems on the Internet to verify everything from privacy (Truste) to security (Verisign, etc.). People can create these types of organizations on their own without government and will if they actually do something useful.
Have a look at: http://www.bbb.org/
I see your point.
With respect to health inspection. The problem is that most people don't care about health inspection as long as they don't get sick.
I.e. Yelp is useful for detecting whether people get food poisoning perhaps. It is not useful for detecting when 25 year old meat is being used which it actually is some times.
Detecting that takes quite a lot more effort.
So again the internet is good for many things and is able to disrupt a great many areas and already have. But don't make the mistake of confusing technical disrupting with political disruption.
I don't understand what me working at Square has do do with anything.
I believe in as little a government as possible. That does not mean that I believe that there should be no government at all.
On the contrary, quite a few similar organizations do exist, but only when a government monopoly doesn't kill competition in that space. For example, who in the 90s would have guessed that something like TrustE would exist. It's not that far fetched to imagine that if government wasn't policing restaurants a private organization could exist to provide such a service. Yelp doesn't do that because it's not their mission and no one is going to make that their mission since the government already monopolized that job.
I'm not saying we should have 0 government either, but if we're not willing to question the necessity of things as trivial as local government health inspectors then where do we draw the line?