I think that depends on the person, cost, and frequency of visits though.
3 Months is only 6 sessions for me since that is all I can afford, and even then I'm selling off a lot of what I own to even be able to afford that.
A tangled web of issues may take well over 3 months to deal with, so I don't think it's fair to say that beyond 3 months a therapist is just milking your wallet.