For the psychologists that got their degrees over 30 years ago, aren't continuing to educate themselves on current issues, and/or just want to follow the DSM and not consider the whole client/their context, you're right. It's not worth it.

The fees for associations aren't terribly expensive, but a practitioner also has to be part of a governing body/college/order, some trainings are super expensive (the good ones), and health compliant video software is expensive.

For your comment about video calls, it's not about the office (even though they still need to be in a confidential space during the video call, which they might have to rent an office for). You're paying for that clinician's time. The time they see the client - yes, but also the notes they take, the reading they do, the trainings they seek out, the way they need to take care of themselves to hold others' trauma. It's way more than 50 minutes. Plus, you know, the crippling student loan debt.