RE: Mutualism, Lange-Lerner Socialism, & Libertarian Social Democracy
The reality is that you don't know anything about socialism, basically. Your rejection of it is based entirely on ignorance and anti-socialist propaganda. I would assume that you are probably unaware that anarchism is a socialist philosophy. There's Ricardian Socialism and Individualist Anarchism and Georgism, which are laissez-faire free-market philosophies. Then there's social democracy, with its more liberal democratic approach, which is definitely not laissez-faire. Then there is Marxism and Leninism (which is very, very different from Marxism). There's also guild socialism, syndicalism, mutualism, communist anarchism, etc. Then there's council communism, Lange-Lerner Socialism, etc. Each of these philosophies differs from the other to such a great extent that no one can honestly reject socialism as a whole without just being ignorant of what socialism is.
The reality is that banks and landlords benefit from artificial property rights, linked to legal documents, rather than natural property rights linked to occupancy and use, which allows them to charge rent and foreclose on homes, which is how they get wealthy. Under a truly free market, without the legal framework created by a powerful State, such things would be impossible. Furthermore, companies that manufacture pharmaceuticals and such benefit from monopolies granted by patents. That would certainly not take place under a truly free market. Socialism simply says that we ought to either remove these special government-granted privileges that allow certain groups to accumulate capital at the expense of others or else we should require them to pay for that special privilege (through taxation, or other means).