I’d encourage you to reconsider the article in context of the fact that CBT can be self-taught with no books or sessions - all of this advice is free, and each tip works independently of the others.
I do agree that open-ended talk therapy seems like a waste of time.
Open-ended talk therapy is like rubber duck debugging. Sometimes you need an expressive outlet that you can't, for various reasons, find elsewhere. And often a confidant (which a therapist can be) is what you need. Lacking a confidant in normal-life or having issues you feel you can't take to that person, a therapist is a decent alternative.
That's also what I meant. I just moved this year, leaving a lot of friends behind (I'd lived there for 10 years, longest I'd lived anywhere, next longest was 5 years when I was in elementary school). I bought a house, which added a lot of financial stress to my life (ate into savings, in 10 years I'll be better off, but now it's tough). I got into a job that was going to be better, but because someone quit I got saddled with crap work that I'm not effective it especially teleworking (I need to observe how people are working to do what they want me to do, and I literally can't right now). And with social isolation in place, my wife and I cannot effectively make new friends and develop new social outlets. From my own experiences in the past: high stress -> general anxiety -> depression -> very bad thoughts. So I sought out a counselor with no specific objective beyond needing to talk, and to relearn some CBT things that I did learn and exercise years ago. But the primary benefit has been the outlet, I'll probably stop having sessions in a few more weeks as I've finally pinpointed a few specific stressors and been able to focus on resolving them, but the outlet was key to realizing what they were.
I do agree that open-ended talk therapy seems like a waste of time.