When it gets bad enough you stop caring about the bill you might get, whether or not you can afford it and all that stuff or if it will be a good experiance. You just know you're going to lose it in the sense you will be a danger to yourself or others and need to do something or else. At least that is how it is both times I've been in the psych ward.

The most recent was much better though it was a seperate facility than the main hospital and we got to go outside and to the cafeteria where the food was good. The first couple days I was confined to the unit so I had to stay in but once they where sure I wasn't going to run away or harm myself under the lessened supervision I was able to.

As for getting into a psych ward or facility perhaps its easier in the U.S than the U.K, one can still go voluntarily even if they aren't a danger to themselves or others I have seen it anyways.