You can own your own money if you like but you can't define its value by yourself regardless of whether it is fiat paper money, bits in a bank account, or bits

You can own your own money if you like but you can't define its value by yourself regardless of whether it is fiat paper money, bits in a bank account, or bits in a distributed ledger. In addition governments can simply outlaw your money and then it will be worthless for important things like buying houses, cars, food, water, electricity.