Either one has the agency to make and agree to a contract or one does not. There is no in-between. If one holds that every agreement is either directly or indirectly coercive, then we come to the conclusion that no normal human being is ever free. That the only people who truly have choices are clairvoyants and that the rest are as unqualified and naive as children. Obviously, I reject that.
While choice is not without context, that context is individually determined by the one's interests and rational faculties. One doesn't know what he doesn't know. However a person still has the freedom to to take a calculated risk if he deems the payoff worth it. That a person doesn't need to know everything to exercise his agency is what demonstrates choice exists and is not simply the rationalization that you claim it is.
As far as ownership is concerned, why in your view is that direct or indirect coercion? Why is buying or owning something force?