> Is your only distinction that depression would be harder to obtain?

Yes. You seem to be taking chagrin with the fact that therapists have to attach a diagnosis code in order to bill insurance, and then conflating that with inflated diagnoses of mental disorders that qualify as disabilities.

My issue with your comment is that I think you're taking a systemic issue (which I acknowledge, btw) and framing it as therapists' misconduct. If your claim that therapists are categorically diagnosing anyone who shows up for the purposes of billing were true, we'd expect to see very high diagnosis rates specifically among therapists who rely heavily on insurance, relative to those who are mostly private-pay. I don't have that data, but I'd be surprised if the difference were as extreme as your framing implies.

What did change in a clear, documented way was the DSM-5 criteria in 2013, which lowered thresholds for several conditions and broadened who qualifies for a diagnosis. That is diagnostic classification problem, not a "therapists are gaming the system for billing" problem.