The right to be fucking stupid and do without or to do it yourself shouldn't be denied. It's why I self host stuff. I also have the right to be fucking stupid and not backup any of my systems, but I do my backups myself. Though if I was in a position to have a better fire control situation than my local solution, you damn right I wouldn't want to pay for the inferior service. The same goes for any other utility or public service.
The whole idea of libertarianism is to take the power away from government and abolish it so that the people can be left the fuck alone. The government is just another monopoly in my view especially in the area of currency and violence.