Therapy in Singapore can cost between S$80 and S$300 per session, while tools like ChatGPT are free and available 24/7. For many Gen Zs juggling rent, job gaps or fresh grad salaries, the choice often starts with cost before anything else. AI can feel easier too. No judgment, no awkward silence, just instant replies at 2 am when your thoughts will not slow down. But if chatbots become the first stop for distress, are they filling a gap in mental healthcare or quietly reshaping how this generation learns to cope?