Money isn’t like your house. It’s like the roads and other infrastructure that connects your house to other places.

You can’t drive at 100mph on the wrong side of the road. You can’t mess with the plumbing and electricity in ways that would affect the grid, even if you do it on your own property.

There are of course places in the world that are so empty or so undeveloped that you can make your own rules off-grid. But most people don’t want that because it’s a lot of work and means you’re largely disconnected from others. Bitcoin as a currency has the same problem.