In my world if someone is able and doesn’t work, they would starve. If a banker loans money foolishly then he’ll go bankrupt not get a free loan from government. If a man or woman wants to engage in deviate sexual acts they had better not get caught with minors in attendance. You would only slap your wife once before she shot you dead with support from all her neighbors. And so on.
In your world someone who is not able would also starve, unless someone else voluntarily supports them.
For the best ever depiction of your world, I suggest Heinlein's The Moon Is a Harsh Mistress.
And even Heinlein recognized that such a world could at best exist only extremely unusual circumstances and then only temporarily.
His anarchic society only existed because the Lunar Authority squashed any efforts by the loonies to set up a government.