Good morning, or good night at your side of the world :-)
I hear what you are saying, though imagine the situation in other parts of the world, like South Africa where I reside.
For low income earners (a lot of folks of colour too) it is COMPLETELY out of the question to even get through a 'gatekeeper' (the only one appointed) for free of charge GRS (with very questionable results IMHO). Having to go 1 year through 'gatekeeper mill' with R 1000-00 cost per hour, R 500-00 for 15 minutes! not supported by medical aid, no inclination to issue HRT before one year "therapy" is over, and then asking to be on RLE for the full year of having high price "therapy" (which is a tick-box joke...).
Not sure if any of the above makes you feel much better - yet the US is a technically bankrupt country... SA actually is NOT.
Food for thought?
Yes, and life IS a bitch if you don't have $$$ to get what you NEED.
Hug,
Axélle