Well, In addressing everything related to functioning of your thoughts, emotions, motivation, self-esteem, self-image, self-worth, attention etc. there are 2 ways to manage. One way is to use pills which would interact with your body and alter the way it functions to ensure that inner chaos are silenced to an extent and another way is to listen to the chaos and to make sense out of it in it's own context to understand the way you are functioning right now. This understanding helps you to use your inner resources effectively to not just adjust with the environment but also alter your life in the way you want. Even when you are treated with pills, the expectation of the professional is to get you ready for psychotherapy so that you make most out of your life. Having said this one need not have the level of motivation it takes to self-administer a psychotherapy like CBT however one could have the means and motivation to take the aid of professional in the process. When it comes to money, medicine is something we keep buying without a second thought for long time however therapy is something which is a matter of few sessions with a possibility for altered life, we hesitate to invest in due to different reasons. Your current psychiatrist might not have seen a requirement for pills in your case however consider going ahead with her if she made sense to you in the process of understanding your concerns. Good Luck.