There is a worthwhile philosophical point hidden in all this.
Why do we want money? Because money can be used to entice other people to do things they don't want to do, like perform work for us.
With enough money, you can control other people's behavior so they bring you food, treat your illnesses, harvest natural resources for you, build you a luxurious shelter, clean up your messes, entertain you, and make status symbols for your enjoyment. You can make people do things they don't want to do. It is about attaining power over them.
Perhaps what pecunia was trying to say is that there is a parallel (conspiracy videos are always finding parallels) between financial power and other types of power. Political power and religious power are two other ways to coerce people into doing things they don't want.
Capitalism's introduction of financial power came at the expense of religious and political power, which were the dominant sources of power in the feudal economic era. Back then, it was the church and the nobility who made the peasants work for enough crumbs to live another day. Upon the introduction of capitalism, one's substinance increasingly came from one's own interactions with others (plus any inheritance of financial power).
Why did the peasants work for centuries to benefit their political and religious leaders? (Youtube comment all caps ON) BECAUSE THEY ALL AGREED THAT THIS FORM OF POWER WAS LEGITIMATE.
Are we different? Here we are today, toiling for the benefit of other people because now we all agree money is a legitimate form of power. Freedom means we don't always have to listen to religious/political leaders, so that leaves money as the last universal form of power we will recognize and work for. If our bosses/clients tried to pay us in Monopoly money, we would refuse because others don't recognize that as legitimate money. Similarly, medieval peasants would usually refuse to work for someone who proclaimed himself king or pope. It's all about the social perception of legitimate power - legit kings, religious leaders, and currencies.
Opting out and doing all work yourself is a possibility. Just take off all your clothes and run into the forest. However, such a life will be short, brutish, and nasty. Without the ability to make others work for you, you would live and die like an animal.
Also, the flip side of a life devoted to sex, drugs, and rock-n-roll is addiction, homelessness, and prostitution. We keep working for others because the alternatives are worse. Medieval peasants had the same choice, but different masters.
FI is definitely a conspiracy. It's a mob of selfish peasants seeking to escape coercion by those with financial power, by building up enough of our own financial power to join the new nobility, hire our own peasants, and not need others' money.
We should be wary, though. As YouTube and other social media prove, political power is making a comeback through the use of sophisticated new propaganda tools that can make us believe anything. As they tell us: Freedom is slavery. You'll never be FIRE. Your own liberation is a conspiracy. Return to the fields or, just as well, beg for change to buy cheap vodka/cigs/heroin/whatever. The fruits of your labor end up in a millionaire's hands either way, and the peasants will always keep working.