No doubt it is an evil to be bound by laws, but it is necessary at the immature stage to be guided by rules; in other words, as the Master used to say that the sapling must be hedged round, and so on.
Self-discipline, although difficult, and not always easy while combating
negative emotions, should be a defensive measure. At least we will be able to prevent the advent of negative conduct dominated by negative emotion. That is 'shila', or moral ethics. Once we develop this by familiarizing ourselves with it, along with mindfulness and conscientiousness, eventually that pattern and way of life will become a part of our own life.
To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insights, or inside information. What's needed is a sound intellectual framework for making decisions and the ability to keep emotions from corroding that framework. You must supply the emotional discipline.
Until you have the inner discipline that brings calmness of mind, external facilities and conditions will never bring the joy and happiness you seek. On the other hand, if you possess this inner quality, calmness of mind, a degree of stability within, even if you lack the various external factors that you would normally require to be happy, it will still be possible to live a happy and joyful life.