I've been on and off with therapy and counseling throughout my life. Needless to say, it has been mostly a time waste and disappointment. While I haven't had to pay for therapy as mine were through the school/college (which is included in my tuition and part of being a student), it was still at the least, a waste of time, energy, and risky (saying the wrong thing leads them to probe, or ask questions, or worst case being locked up).
My first encounter with therapy was during childhood, like during elementary school, and my parents paid for it back then. Didn't really find it useful at all, just went because it was obligatory by my parents. In high school, also a time waste, and in college I went just because otherwise I would have failed a class (due to no sufficient reason for poor performance) so once again, another necessary move to just keep my academic career alive. So yeah therapy and counseling has just been useless at best and potentially dangerous to my freedom (if locked up against my will).