Well, for one thing, many actually, it's cheaper doing it the right way. For starters, by being monitored, you insure that you do get the proper dosage and don't destroy any vital organs. You know, you do only have one of some of those things. Secondly, at least here in the US, by going thru a Doctor, the HRT meds are actually pretty cheap, much cheaper than the method you are employing now. Thirdly, therapy is a good thing. While you may view this as 'gatekeeping', just get past it and accept it and move on. If you're thinking of any future surgery such as BA, SRS/GCS, you'll need to do the therapy thing anyhow. And all of this is part of really coming to terms with accepting who you are. Just my two cents here.