We can still build our own computers and software from scratch if necessary.
We're talking about things like banking. Yes, some of this already affects services that are needed in practical sense to function in modern society, and it'll affect more of them over time.
> or create them [services that respect freedom]
Impossible, because the market is highly competitive, so services respecting freedom have no chance to survive for long, which also means almost no one is willing to try making them - and more importantly - funding them.
> or find alternative ways to meet the same need.
Increasingly close to impossible in a practical sense. Observe how many things are increasingly becoming mobile-first or mobile-only.
Banks, again, are a litmus test: there are plenty of new ones that don't have a web interface or physical presence, and the more traditional ones all strongly push users towards being dependent on the phone app (even if used only as an auth tool, it's still a hard dependency), which of course will happily use hardware and remote attestation to ensure you're not using a device that isn't a pristine, unmodded version of what the corporate world wants you to use.