For better or worse, at some point in our history we started keeping and depending on things that we couldn't make and carry as we walked from one place to another. It wasn't a conscious decision -- cultures that settled down could have more children, so they had bigger armies and overwhelmed the wanderers. Human nature being what it is, some people collected most of the property and used it to control the rest of us.
Now the only choice most people have is to dance to someone else's tune. You either work for the banker or the landlord or the state all your life, just like the serfs of old. If you manage to escape that trap, you're very lucky (and possibly very smart as well). That's the price we pay for the benefits of civilization and our own fatal flaws.
Most of us just settle for the type of servitude we like best and tell ourselves that we've won.