Finesteride can slow/stop, and possibly reverse thinning hair. You could ask your doctor about it. It only blocks the testosterone from reaching your scalp, it won't interfere with normal testosterone levels.
Just thought you should know.

I can only imagine what hell you're going through...both sides of my family have the genes for baldness...so before I started my anti androgen I was pretty depressed about what could happen to me...and to top it all off because of my genetics I would eventually become a hairy ape past a certain age. (I'm already seeing the effects now).
I feel for you. I may be "luckier" because Im younger, but my genetics are not on my side for certain things. I'm just happy for the feminine features I do have, and I'm working on fixing the ones I'm not happy with.
As for guys not caring about balding...well some do and some just learn to accept that they can't do anything about it...but we're not guys so we are mortified of losing our hair

For you this is not a waste of money, to them it is. As hard as it is to shrug off such back hand comments...you just have to. You can't control what other people say to you, you can only control your reactions to stupid comments. It's okay to feel upset about such comments, just don't think about them to the point that they cause you grief. As someone that has struggled with depression for years; this is a big key to preventing depressive episodes.
Hugs,
-Skye