It's not about being "consequence proof", because as you note, it's never possible to avoid the consequences of one's actions. It's just about being independent.

An independent person does not need the goodwill or approval of any other person or small group for their well-being or prosperity. If you are ever going to need a paycheck again, this is by definition not you.

Independence ("fuck you money") is about being able to be honest with anyone, even if it means giving a measured, well-deserved "fuck you", without having to worry that your ability to feed and clothe your kids will be jeopardized. It's not about being above the law or anything like that.