Sure everything he said is a factor. Yet, ultimately they do not define freedom.
Freedom if I were to get as simple as I could is. Individualism. Freedom is being you, and not trying to mimic someone else (unless you choose to).
All money does is open more paths that you can walk in your adventure. That gives you more choices.
Yet if you have fewer choices you can still be free.
Money IS a tool, as you indicate. It also is a necessary tool. As with all tools it can be used for benevolent or malevolent purposes.
I don't disagree with @valorforfreedom. I simply see trying to stuff freedom into a box as the step towards no freedom.
Freedom is not being in a box.
freedom is deciding if you want to be in the box, or if you want to run off in the woods and eat flowers and moss, or deciding that you want to be a corporate slave ;>
I've seen some people say they want to sleep on the ground. What are they afraid of? Why give up what you have, just to run and hide? I say stay and fight for what you still have left.
I do see the option of going underground, or Galt.
Different people have different aggression levels, and different thoughts on the best way to protect their families
And deciding WHEN you want to stop doing any of those things.