It's truly a full-time job. I don't mind paying my therapist, because while it could be interpreted as paying someone to care, I see it as paying for their expertise in helping me get better. The right therapist will care about you regardless of payment; it's both a professional and a profoundly personal relationship. It's why many therapists, particularly ones treating personality disorders, have to go into therapy themselves to stay grounded.
I struggle with depression and anxiety pretty severely at times, and while my boyfriend is tremendously supportive to an almost saintly degree, he absolutely insists on me having professional help. There is only so much he can do and asking more of him would be counterproductive for both of us. I wouldn't get better and he'd be taking on a problem that is ultimately not his.
On the flip side, going to a therapist is just paying someone to pretend to be your friend for a while. My insurance (Kaiser; about $600 per month) covers something like 80% of 6 therapist visits, and after that it's all on me. This is probably the worst part of trying to seek help; the sickness basically prevents you from taking all the steps necessary to start getting better. I've thought long and hard about how to solve this (maybe have a service that just handles all the idiotic HMO stuff for you to make it as low-effort as possible), but I still don't have a good solution, and "hacking the medical industry" has traditionally been a non-starter.
If you're talking about 'counselling' then yes, a friend can do it about as well as a trained counsellor. But remember that the evidence base for counselling is weak; that people often feel worse with counselling; and that counselling is sometimes actively harmful.
> covers something like 80% of 6 therapist visits, and after that it's all on me.
That's a shame. If they covered 100% of 8 visits they'd cover most people who need CBT.
> I've thought long and hard about how to solve this (maybe have a service that just handles all the idiotic HMO stuff for you to make it as low-effort as possible),
Maybe just "buddying" - someone visits or calls you and talks to you and watches you while you do all the stuff you need to do. This builds self-reliance.
But yes, anything medical is really tricky.
For instance, it is quite common for pastors to have some psychological training so that they can assist their parishioners. Of course, the quality of counseling can vary quite widely depending on their natural talents and how well they were trained.
If you're non-religious, I've heard that Jesuit and Benedictine counselors tend to be quite good about taking you on your own terms.
Sorry for your circumstances. I wonder though if it could actually be more helpful to have a close friend that can provide unconditional support and guidance if possible of course. Reason being is I've always found (from relationship counseling) the therapist caring but then "ok our appointment is over that will be $x" to contradict somewhat the caring part even recognizing that it's a job. Wondering about your thoughts on this?
For example when someone calls me for help (which is actually pretty often and I separately dated for some time a very depressed woman and oddly find it interesting) I gave all the time that they needed anytime anyplace and the conversation didn't end "just like that". I would imagine things like that provoke feelings that aren't exactly positive.