Oh yes, I am absolutely aware of this -- it's much more of a factor in the U.S., where the insurance companies (and agents, brokers, & salespeople with no medical or psychological expertise) control what types of support people can access. Unfortunately it is a factor here in Canada as well.

Regarding schools, yes, this is very much a factor here in Manitoba. Schools can't simply provide what a student needs, oh no, that would be ridiculous. Instead the student needs to be put on a waiting list, receive assessment, get labelled/diagnosed, and have recommendations documented. Then after all that (if the student hasn't already graduated), the school can apply for a measly sum to try to actually meet those recommendations.

This results in another very long waiting period, at the end of which the student's needs have often changed anyway.

Not that I'm cynical or anything lol.