Ollie Onion posts on the Australian Forum, on 28 March, at 20:27 and points out that MOST INSURANCE POLICIES for loss of license and income protection specifically exclude mental illness. He says it asks a lot of a pilot to put his whole livelihood at risk by self reporting.
If this exclusion was removed - say, by regulators, there would not be such a severe penalty for a pilot to recuse his rating voluntarily.