Again, you're referring to money being a solution. A shrink won't change that you're lacking a soul mate in life or some other worthwhile aspect of human life. They can prescribe meds and talk to you, but that's not always an answer to something, sometimes you just need family and friends and if that happens to be something you're lacking and the very wound you're trying to heal, you're kinda stuck there.
We don't know what goes through someone's mind when they do something like this; I'd imagine it's often a spontaneous action or just a final snapping. I've had times where I thought I was all on my own to deal with things and things weren't going right and yes, there are resources out there, and my family and friends were around but that wasn't occurring to me at the time, and the human brain is very irrational at times and the obvious doesn't occur to them. Some people who try to kill themselves aren't in a state of mind to think "man, I need help, I need help, I should find a psychiatrist," I'm sure a lot of them get to a point like "****, I've got nothing, this hurts, I can't ****ing take this, ****! ****! ****!" and then snap and do something that in an irrational mind state sounds like a solution.