Thanks for the perspective, and ditto. It sounds condescending, and obviously physical brain damage (e.g. CTE) can cause depression completely separately from life circumstances, but I would venture that for a majority of people who say "My life is just fine but I am depressed anyway", their life is not actually fine.

It's not even that they are lying, but we humans are very good at hiding truths, even from ourselves. It can be very hard to truly admit that one is unhappy about one's life, and frankly many people have never really experienced a true sense of fulfillment, peace, belonging, purpose and happiness, and don't know what it would feel like or understand how lacking the feeling is in their lives.

"My life is fine" generally means "I've checked the right boxes: 'success', 'friends', a relationship, but I still feel empty." Don't use drugs to numb that feeling. Listen to it.