If a person in the US doesn't have health insurance, or is low income and has poor-quality health insurance, they may not be able to find a therapist who will see them or they may have to wait for a long time.

I have also dealt with going to mental health care "agencies" where if they let you see a therapist, they don't let you choose which one you see and they may decide at any time that you can't see them anymore. I had this happen a couple of months ago. I had spent 4 months seeing a straight-out-of-school therapist and we were just finally starting to get some real therapy done when the agency decided to cut way back on the number of people they were allowing to have individual therapy, so no more individual therapy there for me.

Before that, for several years I had health insurance but couldn't afford the co-pays, so I went over five years without seeing a therapist and eventually ended up going inpatient for treatment. That was definitely a false economy.