I think purported fragility of current social/economic arrangements is the point here. If you believe that at some time in the future prescription drugs may not be as readily available in the US as they are right now, it would be smart not to make your functioning dependent on one of them.
Also absurd is the concept that if there are some symptoms of malaise, all you need is to test the levels of a single hormone and then start supplementing it. As if there was no other cause of these common symptoms. As if there were no other hormones in the human body that may not be optimal. As if testosterone was an isolated substance that does not interact with any other and can be assessed in isolation.
For example, many of the symptoms bandied around as a justification for T"R"T are also associated with hypothyroidism, which is probably an order of magnitude more common that any actual deficiency in the ability to produce testosterone. Thyroid hormones also have far less possible side effects and can be discontinued much more easily. (Not that I suggest taking thyroid based on reading some short, vague list of symptoms either. But you get my point).
If I were some sort of medical practitioner, it would be obvious for me to have some sort of graduated protocol. Meaning, if a patient comes to me with symptoms of "general modern malaise", I will start with easy, less risky methods and only graduate to the "next level" when the previous didn't work. I.e. it seems absurd for me to advocate any sort of hormonal intervention for a person who does everything they can to mess up these hormones, like eating a diet low in protein and high in PUFA, taking SSRI, melatonin, statins and other endocrine disruptors, having no physical activity whatsoever (or too much of the wrong kind) and so on. So dietary and behavioral intervention would be first (no risk, almost certain improvement), then supplementation of various vitamins and minerals (for example, I discovered you can have hypovitaminosis A and E even if you eat dozens of eggs every day), then less dangerous hormones like thyroid, pregnenolone, progesterone and DHEA, and only after all of these had failed I would even consider blasting test.
Of course, while I would have excellent success rate, I probably could not make a living this way. The cardinal problem is that testosterone has become culturally associated with male sex a long time ago, and thus men don't look at it as any other drug with possible benefits but also side effects, but rather as a injectable, readily available masculinity. Who could decline such an offer? I suspect that a major, although unknown to the ICD, disease that a T"R"T treatment is sought for could be described as "feeling like a huge loser". Entire industries have been built aroung catering to men who don't feel masculine enough and want to buy a fix to that; the penis enlargement pill business alone must be worth billions, and that's without a single real success story. Same with Liver King brouhaha - any moron could tell you he must be on something. He managed to deceive people because they wanted to be deceived, they wanted to believe that liver pills might solve their vague problems.