If someone is dying from being overweight, can’t see without glasses, can’t get around without a prosthetic, etc you treat it. There is a severe quality of life problem that is beyond cosmetic.
For someone who is trans, not having surgery or hormones is like that. They can’t have relationships and sex the way they want. They can’t fit into society without standing out or being told who or what they really are. They can be in danger of anything up to being murdered.
Assuming you aren’t trans, you have built your life the way you wanted. Dated who you wanted, dressed how you wanted etc. The people you date see in you what you see in yourself.
Now imagine you woke up with a body of the opposite sex. Is your relationship with your partner the same? Or has the way you had sex and relationship dynamics completely changed? Can you wear the same clothes or take part in the same hobbies or work the same job? Without any pushback or modifications? Are you ok being referred incorrectly as mam or sir, he or she? How would you mentally feel now that your body isn’t the gender you know yourself to be?
As a straight man what would it be like to only be able to date lesbians who are attracted to feminine aspects that you don’t want in yourself? How would you feel about dildos? Or as a straight woman how your dating prospects would change only being able to date gay men who want your penis?
Seriously? I had to pay $118,000. I fought insurance company for two years and eventually only ended up paying about $12,000