I'm a bit puzzled : You don't say it clearly, but imply that your original complaint was Depression, yet only one of the drugs you mention is an antidepressant. Benzodiazepines ( like Zopax and Urbanol ) are absolutely NOT antidepressants, and should NOT ordinarily be used to treat depression. They do indeed have the disadvantages you mention, and others. They are TRANQUILIZERS, and not antidepressants, and may even make depression worse. Stresam is also a tranquillizer and not an antidepressant, but chemically difference from the benzodiazepines, and not likely to cause problems with dependency.
You are very wise to remember that with any of these drugs, one should withdraw from them gradually when stopping, and not stop abruptly, or there can be unpleasant withdrawal effects. I don't use Stresam, but don't see any reason why it should cause problems if it is taken while you are withdrawing the Urbanol. As it is chemically different it may not help to reduce the effects of Urbanol withdrawal.
I agree with you that actually ALL doctors prescribing ANY drug should discuss with their patient the effects, side-effects, precautions, and how and when to withdraw from the drug, at that time, and to check to be sure the person understood them.
In my experiences as both a doctor and a patient, yes indeed, some doctors are too interested in what they can earn, including some unnecessary hospital admissions. In any propel, legal, professionally ethical practice, their earnings should not be affected at all by what they prescribe. This would only be the case if some form of illicit bribery was in place, with some company rewarding them for prescribing X rather than Y.
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