Ketamine has been a party drug for quite a while now, and as far as I know, hasn't been shown to be particularly dependency-inducing, though low-dose ketamine over the long term might be (https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6236511/)
Also, as far as I know, ketamine treatment isn't intended as an ongoing medication, like an SSRI, but as a treatment for acute episodes of depression. I might be wrong about that; webmd says, "For treatment-resistant depression, patients usually get the nasal spray twice a week for 1 to 4 weeks; then once a week for weeks 5 to 9; and then once every week or 2 after that." However, the use-cases I know about (from talking to researchers studying it) is as an intervention to prevent suicide during severe depression (since it's relatively fast acting).
As always, its a cost-benefit calculation, that should be carefully made in consultation with a professional. The cost of severe depression can be quite high.