Ripley, I don't think you have a very firm grasp of life in aviation. There are GOING to be life stresses for everyone, but with the insane amount of additional load put on pilots by work, you're going to see higher than normal incidences of stress casualties. You want to regulate anyone dealing with any kind of issue right out of the cockpit? We tried that in the military. Accidents were high, and suicides weren't unusual. You want to REDUCE mental-health related issues? Encourage self reporting by understanding what is a safe level to fly, and not punishing those that seek help.
Here is how YOUR theory works:
Say I take a dive on my last 3 flights, I'm stressed, and I'm losing my edge because I'm already worked up before I even get into the cockpit. I go talk to a counselor to try to find ways to calm down and get back to peak performance. Well, now that I'm seeing a counselor, by your logic, I'm immediately grounded from flying, so I'm losing hours and practice, getting farther behind the curve. What's more, I don't know if I even have a job anymore, because now I have ANOTHER test, this psych evaluation, that I'm worried about, pushing my stress levels even higher. So what am I gonna do? NOT go talk to someone to begin with and try to gut it out. THAT is how you cause casualties.
What we do right now WORKS. If you have an issue, go talk to someone. Between you and the counselor you can evaluate if you're still safe to fly, and if you are, great. If not, get a down watermelon and take some time. The whole time, NO ONE reports on what you're getting help for. Your down-chit is medical, NOT mental health, so you CAN go get help whenever you need it, without having to worry about losing you're entire career.