Just overflew the long posts.
What about an
US company? I am a software developer, too and use US companies. You can have
Stripe, Paypal, a real
bank account, all this with a nominee structure to keep you anonymous so you don't have to leave your country. To have a local income you can invoice your US company with some freelancing stuff so just in case tax audits you, you have a small regular income. As you don't have to hand in invoices for your US company you can use the money on the bank account for personal expenses very easily. Buying groceries via Gpay, buying flights, Hotel etc. over the company is no problem.
If you one day have enough to buy a house, you can give yourself a
loan (requires
FinCen registration) via the US company, buy a house with this and pay back with market common interest rate.
Maybe you want to think about this jurisdiction, too. Because they won't be affected by 5AMLD which makes beneficial owner structures within the EU very difficult, soon. For the US there are even some super nice loopholes because they have a very nice freedom of contracts. Not comparable to the EU.