So the conclusion is simple those who meant to be workers and serve whole society 24/7 should't seek "financial freedom" If they do then banks will make hard for them to deal even with their legit transactions to make sure it's all hard enough for them and they give up and focus on more serving and working for others.
I wouldn't say financial freedom isn't meant for many, it is meant for everybody but we have to do some extra things for we to be among the people that'll be beneficiary of the financial freedom. Assuming everybody gets it then it won't have any value anymore and people that aren't prepared to manage the wealth are going to lose everything and go back to being broke. An example is when someone wins a lottery, after few months or years depending on the quantity of the money, you'll realize that they have lost the money. The banks aren't the ones making it hard for us to have financial freedom, what I think they're doing is making us too relax and settle for less than for we to push further and try to achieve more than what the society has set as limit for us to achieve.
Financial freedom is not a goal for some people that's true.I know that people facing numerous hardships and financial struggle tends to struggle more than their expectations and fail back to back based on the fact they're focused more on short term financial goals and long term goals.