That's not what's happening. It's just not.
This is (at a minimum) a four sided conversation: the child, their parents (or legal guardians), child psychologists and the doctors that are actually going to be either administering the hormones or conducting the surgeries. There is informed consent all around - if there isn't, gender affirming care is usually with-held.
There's often other parties involved - usually multiple state entities and medical insurance providers. Sometimes there are independent bodies involved.
This is not something that happens just on a whim. Puberty blockers, hormone replacements and surgical intervention are stages in a process that is YEARS long.
Also, no-one is "being made wealthy" from gender affirming care. There were less than 330 gender affirming care surgeries performed on minors across the entire US in 2021. Most of those were bilateral mastectomies - which is not a particularly expensive surgery. This is not some bizarre get rich quick scheme.
If you want to be wealthy as a psychiatrist, psychologist or counselor, you don't go into child psychology (my sister happens to be a child psychologist and I know exactly how little she makes). And, you don't specalise in a field where there are less than 2000 medical interventions in a given year.
If you want to be wealthy as a doctor, you become a cosmetic surgeon, anesthetist, gastroenterologist, dermatologist or a radiologist. You don't move into a field that affects less than 0.5% of the population and where rates of surgical intervention happen in only 5% to 25% of cases.