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This sounds awful to most people, and is even difficult for me to suggest considering my high value of freedom, but people who are bad with money should have trusted custodians who set budgets and distribute cash for them.
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I value personal sovereignty as well, but I humbly accept the Social Security check. It's all I have to show for all that effort. If I was any good with money I would have swapped my Symantec options for Apple stock and rode that for ten years. Then roll that into Bitcoin in 1012. I can't even afford to be unhappy about having not done.
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I fear what those with influence will do when their influence becomes irrelevant.
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It depends on how that happens. Don't fear the smoke and mirrors. It's a different world since the Winter Solstice.