The real solution is the one we've already been pushing for and have had a great amount of success over the years, which is to treat mental health issues with the same importance as physical health issues.
Crappy upbringings and suboptimal mental habits do not always come with psychiatric disorders. And such people often don't live their best lives because they forego therapy on the grounds of "I'm not that bad, others have it much worse, I don't want to be self involved and drain resources. Also I don't want a diagnosis just to get therapy." But something like counseling has been provided by elders or religious authorities for millennia across various cultures. It's strange that now, that form of counseling is provided mostly by medical professionals to a big chunk of the Western middle class. But it's absolutely better than nothing.
I've long argued that we should come up with a better term. I prefer stress counselor instead of therapist. It allows more natural discussion with others too. "I see a stress counselor and we just talk about how to be less stressed at work and home" is a very easy and non-clinical way to discuss the same thing as going to therapy. We also need to mandate that mental health is covered by all health insurance plans. Anything we can do to remove the stigma is a positive.