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.