Prescription meds are a roll of the dice even after regulation, testing, and oversight. Recreational drugs formulated by an illegal lab and sold by a dealer who cares nothing for your welfare are always going to be riskier. You have no way of knowing what dosage you’re getting, what it’s been cut with, or even what it actually is. I’m saying this as an advocate of legalization. Psychedelics can be very rewarding, but they are risky stuff. If you’re afraid of Prozac, you should run screaming from LSD.
It seems like you’re basing your opinions mainly on anecdotal evidence, so here’s another anecdote: I have been on various psychoactive medicines for decades and I’ve never had much trouble with them. They’re not a cure-all, but they make things better for me with few side effects. Yes, there are risks with anything, but avoiding treatment for real problems because the treatment might not help is not a good idea.