Economic responsibility

I’m having a hard time rapping my brain around this concept. Here is my problem: money comes as an exchange between two entities, you provide value and get money in return. So you depend on the other entity to which you are providing value for money. There always will be someone you depend on for money: clients, parents, state etc. I see a scale of economic responsibility. It’s better to depend on your clients than the state who gives you passively, but I don’t get how you can be fully responsible economically. You can’t create your own money.