I am this person and it's still relatively impossible to find good therapy if you can't shell out the money for it. All it's allowed me to do is reject a vast swathe of therapists for being incompetent and internalize that I'm unable to be helped.

But having found a couple of really good clinicians who have agreed to see me pro-bono, there is still a spectrum that exists between having these skills and improving further beyond them. Getting on the right medication and having a space to openly discuss my experiences have been invaluable.

Nevertheless you're right. In order to have found the "good ones" I needed to become an expert in psychology, pharmacology, diagnostics and interpersonal skills/dialectics. Which is not something that is widely available to most people. It took me 15 years.