I didn't have to jump through any hoops. I asked my endo to test it, test came back borderline, he said "technically you're just inside the normal range but we can try it", and so we did. My case isn't typical, but I don't think my experience was all that unusual -- with the advent of stuff like AndroGel, it has become a lot easier for even primary care docs to prescribe. Have you really had to jump through all those hoops?
Also, I think you're off base on the other end of your argument... I have a distant acquaintance who did the FtM thing, and yes, getting the T was straightforward -- from a doc who specializes in this stuff, who put her through a lot first. It wasn't a simple process.
Why do I think your post sounds more like a talk radio rant than like the bitter voice of firsthand experience?