For the talking aspect, its nothing very useful, regardless of who it is. Is the "oh yeah that must be so hard for you", either read from an instruction manual or reduce things down to "just go outside and take a walk" "just do x".
It sounds like you have no idea WTF you're talking about. This is the response I would expect from someone that has just heard from other people that have never gone to a therapist, what therapy is.
I'm certainly not a proponent of AI, but AI for therapy is arguably the absolute worst use case. Therapists and psychiatrists are medically trained to work in their professions. As far as drugs, yea many times it's not the right drug it disagree on the first attempt because everyone is different and not everyone responds the same way to the same drug or dosage.
Depression is a condition that is crippling, and for some, anti depressants are the solution due to chemical imbalances. I personally know a handful of people that have gone through the ringer to find what works for them, and they are still alive today because of it. No AI can do that.
I do agree that the cost is an unfortunate hurdle, and I personally have been affected by that. Some non empathic and non human AI that will just add likely tell a person to kill themselves as give God advice is not a solution.
If you had cancer, would you turn to some non profit AI to give you a treatment, or would you go to an oncologist instead? It's the exact same thing when dealing with mental issues.