You have the freedom because you can spend what you want and what you want to buy with it. If you buy a car with your bank account sometimes the bank will ask you questions.
So they are the owners for your money while with bitcoin you are the real owner of it.
When there is a huge amount of money transfer, the banks can ask for the source of the incoming money. But there is no penalty, they only ask about the source of the money, it is not a problem that bitcoin is causative.
Banks would normally ask on those kind of things regarding on the funds have been transacted specially when it is already on huge amounts. They are not totally the owner of your money but somehow do have the control regarding on the possible transactions you would made. The goodness of bitcoin is that you can anytime hide your money in your own pocket no matter how big it is.