My first obstacle to financial freedom is the government, they don't have enough job opportunities for people that is willing to work for them to be able to put food on their table, instead government comes up with harsh laws to control the citizens financial life by collaborating with financial institutes. That's why government in some countries banned cryptocurrency.
Corruption is a key factor, when the country is corrupt there will be less opportunity the common man to display his talent or skill in the society and achieve his goal,government cares less for citizens and only thinks in how to steal public funds and put their families in big positions in government, nepotism government.
What you say is what is happening in all countries, not your own problem. It is understandable that governments make strict laws because that is how they maintain their existence and how they govern us. If a society is not controlled and regulated, I assure you that it will first become more chaotic than developed.
Every country has corruption, if you are the government, you will be corrupt like them, that is human nature, and it is tough to eliminate completely. But I agree, a corrupt government is the cause of economic difficulties and people's miserable life.