This will crumble and fall. I am not trying to be mean or anything, i'm gonna tell the truth, that's simply how I am.
Loans. Impossible. A business cannot keep on taking loans out every month, and if they take out huge sums of loans to last them a year, your banks will crumble in an instance. Only ones society must have as much money as god to do that. Do you think you have an unlimited amount of money? If you print your money everyday, from such small banks, they will lead to inflation. By printing more money, the banks have much smaller amounts to spend, or in this case; loan. The more money your print, the more you take from the banks, or the peoples money. And if you turn to the Identity government, sadly, they will not loan you a small loan of a million dollars.
Drugs. Holy shit legalize all drugs! Seems like my place! Everybody will come to you, which will increase your money flow. But, you like your people right? You want good health? free healthcare! nope. The hospitals need money, and while your busy loaning small businesses, your nations hospital will be broke, and your people will fall.
Addiction is a drug itself. You find yourself spending all of this money, to give to your small businesses and larger businesses, welp, to your disappointment your going to find your nations banks in full debt. Like I said earlier, you cant print money if your banks have none! Thats just how it works.
Good idea on the militia. But, even for a small community, and even a local, non profit militia is still going to want some sort of healthcare. Because if a drugged out guy on coke goes on a killing rampage and shoots three of the local militiamen, well shit. We ain't got no medical supplies. You can make some raggedy ass bandages, but no, you want your militiamen to have the best of the best! After all they are the only ones who are considered the police force over everybody. More crazed drugies killing your militiamen, the less militiamen! And if they keep on getting hurt, if they are not equipped with iron men suits, they will for a fact want out. Nobody ever wants to keep getting hurt, and have shitty equipment and shitty health supplies.
With no government spending, how are you going to get all of this shit. ex. fund hospitals, fund police, fund your militias
And I know that Rome wasn't built in one day. But jesus christmas, your gonna need to do some work! How do you make a country with no money and no taxes? Well Hanshi, I don't now.