Great! Now that your money is in the bank, pray for <deity> you don't fall into a bank run[1] and lose 65% of your savings[2]. The Central Bank still has reserves, but it doesn't look nice.
This applies to freelancing, but I can imagine most other areas work like this, with bureaucracy and pressure to SMBs working way right of the Laffer curve[3].
My point is, this is a negative feedback loop that (maybe?) started with the toxic vainglory of "outsmarting the system" but was fueled along the years with a general mistrust of banks/institutions, for good reasons. There are no incentives to do things correctly, and if some would appear it's likely set up for failure, because who says the next administration doesn't remove it and the show goes on?
Honestly, I don't know how (or if) it can be fixed at this point.
EDIT: Plus, it's really hard to see any of that tax revenue being put to good use. We're sitting at around 40-50% poverty.
[0] https://maxifirtman.medium.com/gu%C3%ADa-definitiva-para-cob... - second graph [1] https://en.wikipedia.org/wiki/Corralito [2] https://en.wikipedia.org/wiki/Corral%C3%B3n [3] https://en.wikipedia.org/wiki/Laffer_curve