Agreed. I once had a debate with a self-proclaimed anarcho-capitalist who seemed to think that in an anarchist system, we'd still have an agreed upon system of currency and that everyone would universally agree on it's value and usage. Why? Magic, I guess. :roll:
That isn't a part of serious AnCap theory. The natural and the ideal solution is to have free competition between currencies: those backed by precious metals and other commodities, as well as those backed by contractual obligations made by banks. Competition will make unscheduled inflation next to impossible, because as soon as one issuer of currency breaks its promise everyone will switch to other currencies.
On-going advances in information technology will make real-time currency conversion very convenient. For online shopping it's just a select box that controls how prices are displayed on the site (or a Web browser setting that's passed in the HTTP request header, which can already be used to tell the site your preferred language, etc). For physical shopping it's pretty easy as well, since it's a good idea to review neutral info for all products you're thinking of buying via your smartphone, and then there are electronic price-tags, shopping carts with screens that display your totals via built-in screens that read RFID tags of everything in your cart, etc.
Humans are inherently social creatures, they gather together in like-minded groups and set up hierarchies that, whether we like it or not, become governments.
It doesn't become a "government" unless there's aggression involved - that's the defining feature of what a "government" is and isn't! Without force it called a family or a clan, a club, a corporation, a non-profit organization, a church, a secular ethical authority, a foundation, a neighborhood association (which can be as big as Singapore), a university, a private nature preserve, a local business alliance, etc - all those things are the building blocks of an Anarcho-Capitalist society.
Apparently, anarcho-capitalists think that humans who are naturally greedy, territorial and want to be surrounded by a particular group of people are going to treat the out-groups equally and fairly in trade relationships, military encounters, etc... because... Well, they can't satisfactorily explain that one.
Because they don't like getting shot or paying / working off restitution, which is the natural consequence of initiating aggression, or being ostracized, which is the natural consequence of other annoying / antisocial behavior?
Look, the level of cognitive dissonance you are exhibiting right now is astonishing... You need to step back, get some fresh air or something, massage your head or whatever it takes, re-read my post history (where I've already addressed most of the issues people keep bringing up), think real hard, and come up with a challenge to Anarcho-Capitalism that's at least coherent...