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Freedom has a cost. That cost might be higher on the average by a day/day basis, up until that special morning moment when those choose not to be free and picked the lazy solution which costed them zero day/day so far suddenly realize, everything they had has been taken away/evaporated by those whom they relied on to "deal with them, cause i am lazy".
Think about it, slaves did not had to worry about how to get food, shelter, work. Did this comfort worth that occasional fine assr*pe/murder?
You are genuinely insane. Being your own bank is no more "freedom" than being your own psychiatrist. What's wrong with you? What freedom?
If everyone tried to be his own everything, the world would turn into a festering cesspool within weeks. Do you understand that societies above slime molds involve specialization? That there's one guy who makes bread, another who sings inspiring agitprop, & another who wears jackboots, so people next door won't shit all over us? And the people next door have their own jackbooted thugs?
What freedom are you money changer wannabees talking about?