Sometimes I wonder where the chains are in the W-2 model, anyway. I might need the money to live from, but I can get that in any of 1000 ways. If I terminate employment, my manager will simply reallocate my work to another, the items will be passed down and they will never bother me again. The company will hum along, unaffected by my lack of presence. The chains, if they exist, are only in our heads. I don't have any ultimate responsibility toward any of it. Even in the contract model, you have to be careful not to burn business relationships, but since it's almost entirely "for money" I would think the risk low, if FI.
On the other hand, if I retire from engineering work and use my time to go into education roles (something I'm actually considering), I'm FI, largely donating my time (even when paid it will be pennies on my full value) and doing something I enjoy, yet if I decide I want to drop everything and backpack in Europe I'd be fucking with the educational career of the kids I help. Certainly I can time such things with end of school years and such, but morally I feel more handcuffed because I wouldn't want to let anyone down, even if I have the financial freedom to "do what I want".
So yeah, I guess if you are self employed, you can screw over your customers whenever you like if you look at them as a cash mine only. But when value generated is often service-related, I would feel more connection with customers and clients than in the more common W-2 business model.
I don't really have a point, I guess. Just don't see the point in the labels. I know language is important for communication but we all know what we mean here.
https://www.merriam-webster.com/dictionary/retiredDictionaries don't really agree with retired equating to financial status in any way, either. I feel it's largely a recent invention by finance companies to keep people earning. Not interested enough to look into it.