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I don't really know much about isurance policies towards therapy, but if casual therapy is covered, I completely agree with Martin that this is a strain on an already strained system.

However, I think that for people with severe mental illnesses, therapy is neccesary part of treatment that a good friend can't emulate. (and insurance companies should cover at least some of the expenses)

... however I also think that therapy should be designed to help people help themselves so that they don't rely on therapy for the rest of their lives (and strain the already strained system until they die).