Therapy is cheap (as in like $10)/free with insurance. However there are still 10 states that have not expanded medicaid after the ACA, mostly in the south.
But also, to suggest these people are not receiving therapy is not always the case. Talk therapy is just that, talking to someone on ones problems to learn about them, their triggers, determining coping mechanisms to move forward with one's life. People might instead be getting all that from their barber, drinking buddy, or their priest, rather than in a 1 hour appointment with a therapist.
ChatGPT it's available at 3am when you're in crisis and you don't have to fit into its busy schedule.