Crazy would be a scenario that leads to hyperinflation. We'd need a few (or several) orders of magnitude for that to happen. And that's only theoretical because no country has ever been in a similar situation. For a vast majority of parameters, what you say is exactly right.
I'm fine with my democratic capitalist system being a little inefficient if it is equitable and fair. I think anarcho-capitalists are obsessed with efficiency in markets and government that they're happy to discard a system that is evenly spread. The problem with going for maximum business freedom, unregulated capitalism, and zero overhead for your government is it falls apart and you end up with something that is neither fair nor a free market.
If a government is working correctly, it is elected by the people and represents the people's shared interests. Having regulators working for me and my neighbors seems better than having an oligarchy that works only for who has the biggest bank account. But what do I know, I voted for the other gal.