But you know that many people can't keep insurance out of it...

Sure, turning everything into a mental disorder isn't useful for everyone. Personally, I don't agree with the DSM as it is behavioral rather than psychodynamic; it's use is limited to billing to serve insurance companies, not treatment imo.

I've never heard of psychodynamic therapists using the DSM for diagnosis or treatment. They have a separate diagnostic manual that I find useful:

https://sites.google.com/a/icdl.com/pdm/

I guess my bottom line is that people with mental disorders, especially those with serious ones, would get shortchanged if not under the realm of medical treatment.