The meds also can have side effects even without contraindications, that people might not think about. Using testosterone, for example, essentially requires at least yearly bloodwork. Especially with higher doses, there is a risk, your blood gets too thick (testosterone raises the blood cell count etc.), and you get blood clots, which I assume does not need an explanation, why that is bad. I understand why people want over the counter HRT, but I would only agree with that, if everyone also had access to follow ups by doctors, to get the doses right. The access should be a right, but so should be, the proper medical support by professionals.