That's interesting - quite a few people I know seem to 'go to physio' a lot for various things, but this is something I've never done either. There have been a few times where I probably could have (back/neck stuff, leg strain etc) but it's never been 'bad' enough that I would actually go through with paying the money and although it's taken longer, it usually has resolved itself in the end. Its not in a heroic 'I dont need it, I'm going to power on through' way, just in a 'is this money worth spending' sort of way. But lots of people spend loads on private physio. And I think if it was that bad you would get NHS physio wouldn't you, I don't know actually?
But why does it need to be 'that bad' before you do something about it, if you can afford to do so? You don't get any prizes or kudos for putting up with stuff. As it happens, I've had NHS physio on more than one occasion, along with some other treatments. But the problem isn't ever going to be fixed as it's down to a congenital issue that required multiple surgeries when I was younger. It's just a question of managing it. So I could go to the GP and ask to be referred every time it flares up, and they'd refer me, and I'd wait, and then have some treatment and it would settle, until the next time, when the whole cycle would repeat - or I can just manage it in a timely and appropriate manner, by paying to see someone within 24 hours, and not being in pain any longer than I have to be. That means I can get on with living a full and unrestricted life.
That's essentially what I did with my mental wellbeing - I was in a position to improve things, so I did. If I find myself needing further help, I'll do it again, as long as I could afford it without putting strain on the family finances.
It rather feels as though you think that people should be in physical or mental crisis in order to seek treatment of any sort, and if it's not 'that bad' then it's a failing not to just push on through. That stigma is something that is hopefully being erased by people seeking help, and being open about doing so. I always rather made a virtue of having dealt with my issues and moved on. Until I realised that the big internal song-and-dance I was making about having dealt with it, almost certainly meant that I hadn't dealt with it at all.
When it comes down to it, we're the only ones who have to live inside our own heads, so it's down to each of us to decide what we need to do in order to do that as well as possible. It's a massive shame that there is a financial barrier to accessing services, but the more people talk about the need for these services, the better chance there is that those services will improve. I'm now helping to fundraise for a local charity which, among other things, provides mental health care on a sliding scale of costs. The therapists do private work, and also offer subsidised/free sessions for people on low incomes.