Copywriting is one of those jobs that depends on having faith in the employer. That is such an awful thing to hear, and you are right that the only way to truly become rich is to work for yourself.
Many people realize this and simply hold a part or full time job while they are building their business. As someone who also works from home (not quite as comfortably) I will say that laziness can be a problem.
Working for someone else always begs that dilemma, how hard am I willing to work for someone else's gain?
Having your own company means that you are the only who gets hurt by laziness.
I have not experience this in the same way, but I know many people who have started their own business while using their previous job or a freelance gig to keep them afloat during the early steps.