So, like, When does someone need therapy? do i need it?

so like should you really try therapy if you think you can fix it by yourself and that you have a strong willpower to not go into depression? I think I do. but some people suggested therapy.
now the main problems:

1. I don't have the money. Actually thats not the biggest problem, cuz in my country there are govt facilities. they're cheap but doctors are shit. really shit.
2. I cant tell my mom
3. I can't sneak out for like the one or two hours.
   when does the state come when you must seek therapy?

I know you need more info, like whats the shit im dealing with.. right