Maybe there's some truth to it. I had a former roommate who seemed to assume she would just take her anti-depressants and it would solve all her problems. Throwing my own self under the bus, I think my major failure in my first attempt at transition was assuming that all I would have to do was HRT and everything else would fall into place for me.
Ask specific questions. It seems like many people in this situation don't ask detailed enough questions or get told "no" and simply take it at face value without trying to find out why. The therapist and the GP probably have specific reasons why they're saying you don't meet criteria. Either you will agree with their reasoning or you wont. For better or worse, its a matter of finding a doc that agrees with your assesment of things, of course if all you really want is meds with no questions asked there are plenty of pill mills out there - not that I'd reccomend it though.