Yes, money helps and certainly boot straps the realisation to self sovereignty, but it doesn't require money to be independent.

Lawyers and accountants are generally a hinderance to independence, I only use the minimal amount of professional support.

I may have had a head start, but knowing that "they" are mostly more incompetent than you is the main awakening.

Evil "they's" like that people think the rules are there to help or that they benefit society.