To the question of saying "no.", It's questionable that all but the elite suffer from such stricture. For instance if I were to purchase in full some allotment of land which I inhabited, the government would still extract taxes from it, taxes which I would be obliged to pay, and thus I would necessarily require some income. That's without considering the more likely case of mortgaging a home in the suburbs, taking a loan for a car, the myriad bills necessary to sustain a "functional" life, all the sundry little accessories that invariably set up a treadmill of break and replace... Factor in a family and the manifold complications it inserts - viola - no options available.
This is, of course, not actually the natural course of things and all of this is malleable. Overcoming the massive inertia of the antiquated systems and their underpinning ideas is a huge challenge though. This itself largely due to the overwhelming coherent mass.
But I think anyone would be insane to say they support things as they currently are at any level. But very few are positioned to refuse. It's indenture, but structured in such a way that "society" can point its finger and place blame on the individual.