CBT in particular is about learning to cope and fixing problem-inducing behaviours and thought patterns. Not about talking about the deepest pieces of problems, since that doesn't aid healing. Often, it does quite the opposite.
I should also say, I'm not including group therapy in this. I have no direct experience, but I don't think it has the same perverse incentives, and it seems to be quite effective.
Personally, I think this might more be an issue of the US health system or the lack thereof, which generally messes up incentives badly.
Here in germany, finances aren't even a thing that comes to mind at all in regards to therapy. Though we do have the problem that there aren't enough therapists available. They are having tons of patients no matter how long they keep an individual, since there is so much more demand. As a result, they have to triage a lot and preferrably keep those who actually need their help.
As far as I can tell, it's all about suffering. If something makes you or the people around you suffer and create serious issues for you, you need to learn to get yourself out of that. That's what therapists do.
Two of my therapists got into it to improve themselves then pass it on to others. The therapists those 99% of other people see, as it seems you feel, are not all grifters. Not even close.
The main trick of therapy is to get you to show the monster that lurks inside of you to someone else. Everyone has bad impulses, but by giving them voice the therapist can convince you there's something wrong with you, and that needs to be explored. And now that you've revealed how monstrous you are to the therapist, you may as well keep seeing him, right? After all, nobody else needs to know about this...