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.
There are barriers to financial freedom that are real and that are artificial.
Not to sound like a grandpa, but the real barrier to financial freedom only exists in the mind all others that are external are only artificial. Even the ones we think are created by the government are still artificial. No matter what you do, you can attain financial freedom if you work hard. A security guard can become an CEO. A waiter can go back to school and earn a higher degree and become her own boss.
As mush as it looks as if banks and the government don't wants us to be financially free, they have programs that they create that allows people become free but we are too caught up in our little world to notice.