That happens because people are not prepared to have money, many years ago I had read a statistic regarding the wealthy families and the majority ended up losing the family fortune in the third generation.
The first generation made the money with a lot of effort and work, the second generation acimilo some of the care of money, but not enough for not knowing the effort and sacrifice to get it and the third inherited the money from their grandparents without having the slightest knowledge how expensive it is to make money, with it they saw the waste and goodbye fortune.
It's true what you say, financial freedom requires organization, astuteness, knowing how to spend and above all things, knowing that the investment is never touched, you just have to dispose of the surplus or those profits that the investment gave
I wish you an excellent day
excelete post as always dear friend @exyle