Someone else ALWAYS controls your money for the simple reason that 'money' has no intrinsic value, it is a proxy for a debt owed to you by your society. Your ability to ever redeem it for anything of real value leaves you beholden to a structure far more elaborate and beyond your control than just a few government regulations.

You also don't live a free life when the rigors of market logic dictate your personal safety. Most reasonable people understand that the are both benefits and costs to regulation and the tricky bit is striking the right balance.

Let's not descend into "I've just read The Fountainhead and I think it solves all societal problems" rhetorical territory, eh?

Government owns all money already. They create it, they destroy it, they own it. You can hold it for a while, but it's still government money.

I'm not making some philosophical point; I'm genuinely contending that money belongs to the government. There's nuance and discussion, but as broad statements go, I contend that "Money belongs to the government" is more accurate than "People own their money".

You get what you pay for.