"When people here "wallet" they're thinking "okay cool so the money is stored inside the wallet". To which we reply no your money in on the Bitcoin Network and your wallet simply has access to it. You can also copy your wallet multiple times across multiple devices so it's more of a "keychain"."
In fact you skip a step. The key must be fitted into the lock onchain through a keyhole, which is the communications network via which you apply your key to the lock to access your money. Absent that keyhole, you cannot access your money onchain. It is an absolute requirement to unlock your funds that you have a keyhole into which to insert your key.
This keyhole today is entirely private property which is owned by legacy financial institutions. All cryptocurrency exchange online is permitted by legacy financial institutions, and is able to be prevented at their sole option.
Thanks!
Edit: speaking of free resources that are taken for granted.