There is a bit more to it than just talking about your problems, it can be quite surprising what can surface when a person talks with someone who has good listening skills.
I dont understand - what else would you talk about?
Do you not think though that you 'would get what you pay for' ie: the top shrinks would be able to get right inside your head and take everything out of it.

I'm not sure I would want everything taken out of my head, I want to retain some control, more
Tbh, I'm not sure about 'top shrinks' We were looking for some very specialist skills for someone close and went to the top person in the field. Well, we actually got as far as exchanging a few emails but were put off as we could not afford her. Many many people in these sort of caring professions operate a partly sliding scale or have a consessionary place or two for people on low incomes.
This woman charged £300 an hour, the assessments we needed would have cost just over £1000 and it was totally impossible. We explained we were a low income family and did she do any concessions and she said no, it would cost her too much. Fortunately we got the support we needed on the NHS.
I'm telling this story as I would far rather have a therapeutic relationship with someone I felt was doing it beause they care about their clients, even if it is in a professional sense.
Tbh, there are many sorts of therapy and counselling and some sorts suit different people better and its possible that you and a particular counsellor might not work well together but I would not assume that paying lots will get the best.
Regarding not just talking about your problems - maybe that is how some sorts of therapy works, I am no expert. But I know that some weeks I have gone in feeling good and started off by saying what a fraud I felt as I felt I had nothing I was worrying about that week. These sessions have still given me some interesting insight as to how my mind is working.
I don't get profound insights every week, and I don't come out of a session every week feeling new strength. I always feel I have benefitted though. For me it a long term process towards refinding my inner strength and contentment and I doubt I could cope with a very profound session every week.
This interests me a lot. How is it for everyone else?
If you have a fixed length of sessions like Cognitive Behaviour Therapy, is it always problem based? I know its a way of changing the way you think about different situations.