But even if I have a server, I’ll have to have my own separate Internet if I really want to be able to pay unrestrictedly.
Separate Internet? I mean, yes, you do need Internet. Not sure what you mean by “separate.” And you don’t need a server (node), though they are handy for privacy. You could choose one that is reputable.
Otherwise the government would just shut down my internet connection, right?
If they knew where it/your Internet was. All you really need is your phone or PC. You could use a cafe or library or cell tower or etc.
Yes, you need an Internet connection at some point. This can be a cafe, a library, an office, your house, friend’s house, etc. As for controlled by the government, well, that depends on your country.
Worst case, if possible, you can move countries. I understand that might not be feasible, but my point is, you can move countries to escape the government and Internet restrictions. But the government locks your account/bank? Moving countries doesn’t fix that, and you’re locked out of any money you had there.