[jasonshen]

I am also not a therapist but I am a former tech founder turned executive coach so I do talk to people who are facing what feels like overwhelming challenges, risk, and uncertainty.

Even in the language you used "severe learned helplessness" and "extremely stupid", you are revealing a state of mind (cynicism, self-flagellation) that is not oriented to improving your condition.

You know you have a strong bias against therapists—given your seeming lack of knowledge about them, where do you think that bias came from? Fundamentally, we are a social species and evolved to live with strong connections to small groups.

Our society is no longer set up like that. So professionals like therapists and coaches provide the essential value of a caring, supportive, and helpful relationship that we lack. Like getting an essential nutrient that your diet lacks.

Do you have health insurance? Many of them cover mental health—the site Headway can help you find one that takes insurance. Try a few and gather some first-party data before writing them off fully. The downside is a few hundred dollars. The upside is a much brighter and materially better future.

[pdimitar]

You have too much faith in the social system. Clue: I am in Eastern Europe. We have exactly zero protection. Not small. Zero.

TL;DR if my reserves dwindle, I get thrown on the street. No conditions. No if-s. No but-s. No social safety net. I become the next fresh bum on the street.

To more directly respond to your question: medical insurance in my case means I get to schedule a meeting 2 months from now, with an old-school psychologist who is going to look at me annoyed and badly hide the fact how impatient he is for me to leave. I heard stories from acquaintances.