For underachieving, but psychologically normal people it is just a means of engaging in woe-is-me behavior without feeling ashamed for being a self-indulgent whiner.
I don't agree with the prices for extended therapy, but I also don't think it's useless in a lot of cases. Then again, a month ago, I met someone with a PC that costs 4x as much as mine, hanging out on a discord playing games, without having worked a single day in his life, while the Finnish government is paying him nearly a thousand Euro each month and covers all his therapy bills, which I frankly find insane.
His story was something like "I was very shy as a kid, was bullied at school, my grades were bad and I got so depressed, I never try to find a job, so now I live on government money and have been doing absolutely nothing for the past 10 years."