You mean their own dime that they don't have, hence qualifying for federal assistance?

Buying HRT of the internet and self-medicating without medical supervision (which does have serious risks) is relatively affordable, and the fact that it isn't outright banned (yet) is something, but without insurance that covers it, medically supervised HRT is out of reach of many, and any kind of surgery is out of reach of the vast majority. Need I remind you that every serious medical association considers these things to be essential health care?

The denial of specifically this health care, which is essential to trans people, is a deliberate infliction of living conditions calculated to bring about the destruction of trans people who have no other means, as a group.

The US has been gearing up for a trans genocide (per the The Lemkin Institute for Genocide Prevention) for a long time, and you are proving your willingness to be a collaborator in it.