It is mostly a state of mind.

That is true...although, bills you can't pay are no fun. Not being able to afford medical care is no fun. Worrying about a place to live, about food, no fun. I think we've (you and I in the past) have shared that we know what it's like to not have enough for basic needs. The fisherman likely has a home, and food (fish😄!). I think financial freedom is more than a state of mind. But once basic needs are met, yes, a state of mind :)