SSRIs, cognitive therapy, group therapy, and person-centered therapy are all treatments for depression; systematic desensitization is a therapy for anxiety disorders, especially phobias. 

SSRIs CAN be, and are often, combined with cognitive talk therapy. In fact, it would be quite rare for a person to be prescribed anti-depressants without some element of talk therapy being used as a part of their course of treatment.

Though the amount of drug they must take increases, the types of effects of the drug are the same. Tolerance can eventually lead to withdrawal symptoms if the drug is not taken.

There are many reasons why people may resist or not seek out treatment for a psychological disorder. Social stigma surrounds psychological disorders and their treatment; someone might be afraid of seeming "crazy" if he or she seeks treatment. In addition, some disorders, particularly personality disorders, are characterized by a lack of awareness, so people who have them might not realize they need help. Lastly, people might be overwhelmed at the thought of how/where to start treatment and worried that therapy and medication will be too costly.

The difference between a psychiatrist and clinical psychologist is mostly in their functions-- psychiatrists give referrals for medications and clinical psychologists act as therapists. Both psychiatrists and clinical psychologists have to go to graduate school for multiple years. Keep in mind that although their functions differ, they often work together to help a patient successfully go through treatment. 

Research has shown that combination treatment, i.e. taking medication and doing therapy at the same time, is the most effective type of treatment and therefore leads to faster, better recovery. Although some people start off with medication and move to therapy or vice versa, that has not shown to increase the effectiveness of treatment. 

Psychosurgery is surgery performed on the brain and it is one of the last resorts in treatment because it is costly, risky, intrusive, and still debated by scientists today. Prefrontal lobotomies were one of the first methods of psychosurgery and ended up leading to grave side effects for many of the people who underwent it. 

During surgical procedures, the brain tissue can be damaged or removed completely. This is known as an ablation.

ECT is a last resort treatment for individuals with extremely severe or suicidal depression. The harsh side-effects, past abuses of the procedure, and the general neurological risks of the procedure make it a controversial and rarely used procedure. The practice is still in use in some very limited situations, but it is NOT used for "anyone with depression."

"Psychosurgery" is largely out of use today, though it was popular closer to the beginning and middle of the 20th century. "Psychosurgery" is surgical intervention, usually performed on the brain, in order to treat psychological ailments. The most famous form of psychosurgery is the lobotomy, and it is a form of treatment where a portion of the brain is lesioned or destroyed to alter a person's behavior.