My doctor always tries to get me to take it but it just seems like a bandaid. Granted, I don't claim to be able to fix it myself either, but the last thing I want to do is mess with my brain chemistry more, especially since I'm starkly aware of the arrogance of humanity (i.e. nobody really knows what is actually going on).
EDIT: I feel like baby(user comment below) might be on to something. I constantly am in fear of something bad happening and stress about that far more than I stress about things that have already happened. But I do experience both.
For milder cases, medication can disrupt negative feedback mechanisms. eg Adderall didn't cure my ADHD but a few months at a high dose gave me momentum to build organizational habits and understand what "normal" meant. Now I just take the occasional low dose in response when life gets hectic to stay on top of what matters.