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You’re so absolutely right.
I know therapy can help sometimes, but just saying that without offering real advice is so demeaning and I feel like it would turn people away from it. 
Right now, I currently am going to therapy now because I have the means to do so, but I couldn’t before for so long because of various circumstances that blocked me from it.
I know most people means well when they say it, but just saying “go to therapy” really is just a cop out when those people who need it don’t have the means to do so and genuinely needs support at the moment.
Telling people "you should go to therapy" is an easy out to deflect. Don't get me wrong, some people may use that line in a malicious way but I think majority (in my experience) mean well. To me it says they don't know how to help and are offering what suggestion they can instead of saying "well that sucks but I can't help here". It's just an unhelpful suggestion to avoid uncomfortable conversation.