Here in the UK we have the NHS which should fully cover transition medical costs (no copays) and an existing process for updating birth certificates which is the legal basis of an individual’s sex in law. The legal process costs a max of £140.
Everyone going through that process has protection in law, both before and after the paperwork is complete.
Almost every poster I have seen on Mumsnet agrees with this.
The UK has been moving to a self-id model for sex (but not nationality, age, disability or ethnicity).
Many people in the UK think self-id carries some risks that should be quantified and evaluated.
In the UK we know self id has already led to sexual assaults in our usually relatively safe prisons, of women prisoners. And according to the then prisons minister, of guards.
JKR has written very polite words about quantifying the impact of legal change in the UK.
The US is a very different place and I know trans rights there are lower.