"Anarchy" means "without rulers".
So you can create anarchy by simply refraining from any attempt to rule over other people. Interact with other people via negotiations and mutually beneficial exchanges and you've created
anarchy in your personal sphere.
That's all there is to it; it's not hard at all. The problem for most people is they really have problems with consistency. There's some group of people out there they just can't accept not ruling over with threats and/or violence.
Point 1: That is one way to do anarchy, not the only way. The way you describe amounts to ignoring national/state law and everyone simply choosing to live a certain way. A cultural revolution type of thing. That fits in with #5 subversive anarchy in the article I mention above.
Point 2: Cultural anarchy is not a very resilient form of anarchy for reasons you mention. Certain people just don't want to engage in it. This usually breaks down the larger system very quickly. I'm interested in resilient, functional anarchy.
Point 3: There are ways to create an anarchy despite bad actors, but unfortunately they are not as simple as "simply refraining from any attempt to rule..." They involve networks of distributed legal and enforcement systems to check bad actors. A bit like traditional government, but decentralized. Like bitcoin is to money. In fact, the bitcoin protocol can be used to create competitive social contracts.
Point 4: "Anarchy" may semantically mean "without rulers," but what is a ruler? Under the
DIYL mindset, my mindset, it doesn't matter what a ruler is in theory or by semantics, but in practice. Depending on what you are referring to as a ruler it might be desirable. Managers, judges, even people wielding physical force to enforce a contract can all be economically, socially and otherwise beneficial. They key behind the power of libertarianism and anarchism is, imho, decentralization of power, not absence of power. Opposition to monopolies on power, law, force...Not opposition to power, law, force...