I definitely feel that many people being treated for depression do not seem to be given a break, so to speak, about events that would make anyone, even the most well-adjusted individual, depressed. I probably sound terribly pessimistic, but it has been my own experience, that, in the context of being treated over the relatively long term for depression, very few mental health care providers seem to recognize that some of these troubles (i.e., the ones mentioned in this thread, for example) would bother anyone regardless of the situation. Maybe they assume that because a person is in treatment for depression that he or she is automatically having a maladaptive, depressogenic response to a life event. That's the reaction I always seem to have gotten, anyway.

Am I making any sense?

I guess I'm a bit cynical, because I have moved so many times (but no more!) and have had to switch therapists several times (five times at least).

Mudgey, I can identify with a lot of what you wrote. I freelance, too, and I have kids, and we're struggling financially, too. It's tough.