Maybe you should consider that an understanding of these alternatives is completely compatible with wanting the best outcome for everyone and that, in the absence of situation 3, situation 2 is better than nothing.
AI "therapists" aren't necessarily "something better" than nothing[0]. Mental health is just as important as physical health. If Yahoo Answers and amateur back alley surgeries are unacceptable physical health support then dangerously unqualified AI "therapists" should also be unacceptable mental health support.
"...for people lacking the wealth or living in areas with no access to decent housing, unmaintained dangerous apartment buildings are a godsend."
Why is it ok to expect poor people to be endangered and suffer through indignity just for the "crime" of being poor?