However, you could bankrupt, in which case it's hard and you will do badly and then they would not give you loans even if that could save your business. So, being a worker, an employee, is al ot better and we should always look for that if we are not ready to take risks and I am not ready to take risks so I am not chasing financial freedom myself, I want to just get my salary and be happy, and I love my job, so I am fine.
Banks don't give people that really need money, money but only gives to those people that don't need the money because they have collateral they could have easily sold to raise the money that they need. Without collateral that's costly than the loan that you need, banks won't answer you majority of the time. It's only few times that you're credit score can be used and you get the money that you need.
The government and banks understand that when you get your financial freedom, you won't need them anymore hence they wouldn't want you to be free totally, they'll still want to control you and they can do that when they're the ones in charge of your money. But despite the banks and government not being in support, you can still achieve financial freedom with proper planning and then keep being in control of your money with Bitcoin.