"Answer to" has a one sided connotation - most of the people or entities we enter into commitments/agreements with, we do so by choice.
Don't want a mortgage? Save until you can pay cash.
Electricity bill too high? Alternate supply.
Groceries too much? Grow some veggies.
Although the above seem impractical, they are choices we make to insure our system of living remains convenient and workable.
You can even avoid the IRS if you are willing to carve out a life on a meager income.
Me? I just leave the ringer off - I answer to no one.