At this point it is virtually no more than a 'racket', but before this prescription drug epidemic got this far out of control [or maybe the reason it was allowed to] is because people don't understand that a Pharmacist knows more about medication(s) than a doctor does in many (if not most) cases; and that doctors are usually getting their information about the drugs from pharmaceutical company drug reps since pharmaceutical companies have been churning out new meds faster than many doctors have been able to keep up.
You mention Zoloft, I'm sure there is a reason that you don't hear anything about Zoloft these days. With all the non-stop commercials running every five minutes on tv advertising damn near every prescription medication, anti-depressants and OTCs on the planet, you never see one for Zoloft. My guess is that it was probably doing as much harm as it was good, and doctors are quietly stopping prescribing it.
However, there are some people out there that really need anti-depressants or anti-anxiety medications or other drugs for mental health issues, but as you have alluded, there are far too many doctors just whipping out that prescription pad, prescribing these medications to people who really do not need them. I think you chose right to not take the medication, because if you really needed to be on antidepressants, you would be needing the medication now; since you don't, then, evidently you never needed them in the first place [as you said].
They have blurred the lines of exactly who really needs psychotropic drugs and who doesn't and people are being caught in the murky waters its created. This is just one area where far too many lines been blurred in our society today, and that is one of the main reasons there is so much wrong with our society today.