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.